Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Citibank Credit Card Limit

    The limit on your Citibank credit card is the maximum balance that is available for you. The bank will determine your credit card limit and you can always request the bank to increase it in the future.

    Your credit utilisation ratio shows how much credit limit you have used. If the credit utilisation ratio is very high, then a lot of banks will think you are credit hungry. This will in turn affect your credit score. If you have a low credit utilisation ratio, it will show lenders that you know how to manage your finances and you can repay any borrowed amount.

    How is Citibank Credit Card Limit Decided?

    Citibank will establish the credit limit of your credit card by looking into these factors:

    • Income
    • Your credit history
    • Your age
    • Your liabilities
    • Your credit score

    How to Increase Citibank Credit Card Limit?

    If you are eligible to increase the limit of your credit card, you can always approach the bank and an officer of the bank will help you in processing the request.

    Once you complete the request, the bank will do a few real-time checks and also confirm your eligibility to increase the limit on your credit card.

    You will have to submit these documents when you apply for an increase in your credit card limit:

    • Payslip
    • Salary certificate of the last 2 months
    • Latest Income Tax Return
    • Form 16 (attested and sealed by an authorised signatory)

    How Does the Citibank Credit Card Limit Affect Your Credit Score?

    If you have a high credit score, your creditworthiness will also be high. The way you use your credit limit affects your credit score. This is because every month, the credit limit and credit utilisation ratio are being reported by the bank to the credit bureaus. The credit bureau will look into this and then calculate your credit utilisation ratio. If you want a high credit score, you have to use the credit card limit very wisely. If your credit utilisation ratio is high, then, your credit score will be low.

    How to Maintain a High Credit Score?

    • Pay your bills on time
    • Make regular payment of your credit card bills in full.
    • Reduce your credit card limit usage
    • Reduce your liabilities

    Difference Between Total Credit Limit and Available Credit Limit

    The total credit limit is the maximum amount that can get on the card. The available credit limit is the amount that you have on the credit card for making purchases (as on a specified date). When you cross the total credit limit, you will have to pay a penalty, which is the over-limit fee.

    Citibank Credit Card Limit FAQs

    1. What are the eligibility criteria I need to meet to increase my credit card limit?

      The eligibility to increase the credit limit will be based on the various card performance and also credit parameters.

    2. How can I reduce my credit limit?

      You can reduce your limit to the credit card’s minimum credit limits. During the time of making the credit limit decrease request, you will have to check your eligibility as well. You can always reach out to the net banking services to know more about this.

    3. Can I consolidate two Citibank credit cards’ credit limits?

      If you have two primary Citibank credit cards and you want to close one credit card, then you can transfer credit limit from the one card to another card.

    4. What is the time period for the request for enhancement of my credit limit?

      The bank will take 10 working days for processing the credit limit increase request.

    5. What is credit limit and cash limit?

      Your credit limit is the limit to which you can make purchases. The cash limit is the limit that has been set for withdrawing cash from an ATM.


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