Your credit card limit is an important factor when it comes to your spending power. The card limit is not just a number but also a boundary. After all, you cannot spend more than your limit.
The credit limit on a credit card refers to the maximum amount of money that you can spend or pay during a given monthly credit cycle.
A card limit helps you keep your spending in check. If you are a beginner and love bagging the latest credit card deals, checking your credit card limit is a must. This ensures you do not go over it so that it doesn’t affect your credit score negatively.
Thus, knowing what is credit limit in credit card helps you stay on track and ensures healthy finances. To find this information online, follow this guide:
1. Log in to Your Online Credit Card Account
Nowadays, most of the credit accounts are linked to an online portal. You just need a few clicks to check your credit limit. Here’s the quick process:
- Log in to your issuer’s online portal using your username and password
- Once you’re there, look for the credit card section – it’s very easy to spot
- Click on your credit card to see your current credit limit
This method is very convenient when you want clarity on your credit limit.
2. Check your Mobile App
A mobile application can be your best friend if you are a smartphone person. Credit card companies and various other issuers are aware of this fact. So, they’ve made it easy to manage your account from your phone. All you need to do is:
- Open your mobile app and log in
- Like on the website, you must look for the credit card section
- Tap on your card; your credit limit is right there
This is probably the fastest and easiest way to check your limit, especially when you need just a quick update.
3. Watch out for Your Monthly Statement
Credit card companies or banks always send you emails regarding your credit card statements. This statement contains all the information about your credit card limit. Look for your credit card limit on the PDF document sent by the provider.
It’s always good to review your statements regularly, not just for the limit but to keep an eye on your spending pattern or any unfamiliar charges.
4. Call Customer Care Number
You can always call the customer care number to know the credit card limit. If there is any error logging through the website or phone, customer care service is the old-fashioned way to help you out.
- You can call the customer care number for assistance and guidance
- After going through some security checks, just ask the representative to tell you your current credit limit
They may even offer to send you the details via text or email for your records.
5. Try Alternative Methods
The above-mentioned procedures are easy, but there are other unconventional methods to know your credit limit, as well. These are:
SMS alerts on your phone
If your phone does not have internet access, do not worry. You can always register for SMS alerts with your credit card issuer and get updates. Follow these steps to set up SMS alerts for your credit card:
- Register your number with your credit card issue
- Send an SMS in the specified format to the bank’s number
- They will send you an SMS containing information about your credit card details
ATM
In case you do not have access to a mobile app, you can use the ATM to check your credit card limit:
- Go to your nearest ATM, insert your credit card, and follow the instructions
- Select the option to check credit card details
- The total and available credit limit will be displayed on the screen
Bank branch
You can visit your bank branch if you need in-person consultation or additional assistance. You need to follow the steps below:
- Visit your nearest bank branch
- Speak with a bank representative and provide your credit card information
- The representative will give you information about your credit card limit
Knowing your credit limit in real time is easy when you have a mobile app that is linked to your card. The One Credit Card App gives you this functionality along with a range of other benefits. The app allows you to set a spending limit and helps you stay within your budget. It also allows you to check offers near you via GPS.
What’s more, you can earn 5X reward points on the top two spending categories on One Credit Card. This lifetime-free card has no hidden charges either and has over 80+ exciting credit card deals to help you save as you swipe! So, what are you waiting for? Apply now and enjoy its many benefits.
