Not always financial institutions establish a large credit limit on maps, so borrowers often do not suit the size of the funds affordable to them. However, this situation can be changed.
Based on the fact that the terms of credit cards are often flexible, and it is possible to correct it only by the decision of the bank. With the question of increasing the credit limit, it is better to turn directly to the lender, however, there are general recommendations that will help you do.
When making a credit card in general conditions, you can see that the limit of the card, for example, up to 300 thousand rubles. However, count on what you place the card, and you will have this amount — not worth it. Often, banks in this column prescribe the maximum amount that can be obtained when making a map.
When determining the amount of credit limit, the Bank will evaluate not your solvency, and the ability to pay off the limit if it is used by you in full.
Here everything is much easier than it seems. The main rule — your income must allow this limit to serve. And an increase in the credit limit is possible only in the case of sufficient solvency of the borrower.
Any financial institution is key conditions, without which the borrower will not be able to increase the limit: · Active use of a credit card. The borrower must regularly purchase, and pay for services from this card. If the borrower does not show its activity, the lender will not be interested in changing the limit.
The bank will increase the limit only if the borrower has shown himself as a trustworthy user. If you even have been delayed, then in the near future to increase the limit and speech can not go.
If the borrower made 2 or more delay, then by decision of the creditor, the card can be blocked, that is, the use of money will not be possible, but to repay the debt will also be necessary as usual. And if the borrower performs payments after delay, the bank can reconsider the solution and unlock the card.
If you are using a map quite rare, or do not use it at all, then the credit limit will not increase.
Often credit institutions argue that they change the credit limit only at their discretion. And if your bank refers to this category, it is useless to handle a personal statement.
Try to make as many card operations as possible, this will be the indicator of your solvency, and banks are usually interested in such clients.
An increase in size can be repeated, up to the maximum indicator on the map. However, again, it depends, above all, from the borrower and its capabilities.
Some financial institutions provide an opportunity to consider applications from borrowers to increase their credit limit. However, it is worth being prepared for the fact that the lender may require a borrower a package of documents similar to the one that the client provided when making a map.
The bank will accept the statement from you, will study all documents and will decide on approval or refusal.
You can enhance the size of the online map only if the bank does not have offices and works on a distant basis. For example, it could be a Tinkoff Bank, which has no offices. However, there is one
Thus, we can safely say that not every bank is ready to consider your statement. And most adhere to the practice of independent decision-making. And even if you were refused to increase the credit limit, continue to actively use the card without performing the overdue. Sooner or later the bank will independently offer it to increase it.