Many people face difficulties with low credit card limits, which can hinder financial planning, make larger purchases difficult or even prevent the accumulation of points and benefits. The good news is that there are efficient ways to increase this limit, many of which have been tested and approved by thousands of Brazilians.
In this article, you will learn how financial institutions define limits, what actions can help improve your image as a customer, and what mistakes to avoid. All of this is aimed at ensuring greater purchasing power in a responsible manner.
How does credit card limit definition work?
The card limit is established based on several criteria analyzed by the financial institution. The main ones include:
- Declared income
- Payment history
- Credit score
- Relationship with the bank
- Consumer behavior
In general, different institutions have their own policies. However, they all seek clients who present a low risk of default and make good use of the available credit. Therefore, understanding these criteria is the first step to strategically requesting an increase.
Tested tips to increase your limit faster
Now that you know how banks analyze your profile, see below the best practices to speed up the limit increase process:
- Use the card frequently
A common mistake is to have a card and leave it idle. Therefore, the more you use the available credit — in moderation —, the more data the institution will have to understand your consumption pattern and your payment capacity.
- Always pay your bill on time (or early)
Punctuality is one of the factors that most influences your credit score. Furthermore, if possible, pay your bill in advance. This shows financial organization and responsibility.
- Avoid paying your bill in installments or paying the minimum amount
Even if the total amount is high, never opt for the minimum payment. After all, in addition to generating interest, this practice reduces the bank’s confidence in your ability to cover larger amounts.
- Keep your income data up to date
Whenever you receive a salary increase, update this information on your bank’s app or website. This is because income is one of the main criteria for adjusting the limit.
- Build a good track record with the institution
Having an account with the same bank, purchasing other products (such as insurance or investments) and using your current account helps to create a more robust profile. As a result, you may be rewarded with more credit.
- Request the raise through the right channel
Most banks allow you to request a raise directly through the app. So, do this at strategic times, such as after paying a large bill or after an increase in your income.
- Keep your name clean and your score high
Checking your score is almost always automatic. Therefore, maintaining a good credit history — paying bills on time and avoiding debt — makes all the difference.
Cards with more flexible limits
Some cards are known for offering faster and fairer limit increases. Here are some examples that stand out in this regard:
- Nubank: Frequent analyses of increases based on usage
- C6 Bank: possibility of customizing the limit with investments
- Banco Inter: progressive releases according to behavior
- Santander SX: good relationships can generate automatic increases
Additionally, secured cards (such as those with a limit tied to an invested amount) are an excellent alternative for those who want to build credit faster.
What NOT to do when trying to increase the limit
Some practices can hinder your application and even harm your credit profile. Here’s what to avoid:
- Asking for raises too often
- Accumulate overdue invoices
- Frequently exceeding the card limit
- Make large purchases and pay in installments
These behaviors may indicate a risk to the institution. As a result, the bank may deny your request or even reduce your limit.
Final considerations
Increasing your credit card limit can be simpler than it seems, as long as you adopt consistent and conscious attitudes. Using your card wisely, maintaining a good relationship with your bank and taking care of your financial health are fundamental steps to achieving this goal.
With the tried-and-tested tips you’ve seen in this guide, you can significantly improve your image as a customer and build more credit — without compromising your budget.
Keep following our content for more tips on credit cards, financial education and how to use credit to your advantage!