Unlock Higher Credit Limits: Banks' Secrets Revealed & Your Path to More Spending Power

• Banks determine credit limits based on monthly income, credit score (750+ ideal), and existing EMI burden.
• Update your latest salary slips or IT returns with the bank to reflect increased income.
• Consistently paying bills on time for 6-12 months builds trust and reliability with the bank.
• Maintain low credit utilization (30-40% of limit) to demonstrate sound financial management.
• Directly request a limit increase from the bank via customer service or app if your record is clean.

Why It Matters: Understand bank criteria and apply proven strategies to effectively increase your credit card limit.