Skip to Main Content

What is a limit?

What is a limit?

A limit is the maximum amount available to you on your card, including any interest and fees and charges.

A credit card is a type of loan. When you apply for a credit card we consider a number of factors in determining the limit we can provide, including the limit you have requested.

We will never offer you a higher limit than what you have requested but we may need to offer a smaller limit.

When we review your application and your credit history, we make a determination on the maximum limit amount along with the limit amount you have requested – then we determine the limit we can offer you on your credit card.

You can apply for an increase or request to decrease your limit at any time.

You can do so by calling us, visiting one of our branches, via online banking, our App or our website. You can also print a credit limit decrease request form and take it into your nearest branch.

If your circumstances change or if you are having difficulty meeting your repayments then you need to let us know so we can see if there is anything we can do to assist.