Credit Card and Loan Credit Line Increase Service

A temporary credit line increase is designed for short-term spending needs, such as emergency expenses or large purchases, including medical bills, travel bookings, accommodation reservations, vehicle bookings, or property deposits. The additional credit line is granted for a specified period and the temporary credit limit granted cannot be converted into installment.

A permanent credit line increase permanently raises your approved credit limit. It is suitable for customers with increased income, higher regular spending, or those who need additional available credit for larger purchases and installment plans while maintaining flexibility for everyday spending.

You can request either a temporary or permanent credit line increase after using your card or account for at least 180 days from the initial activation date, subject to the Company's approval criteria and conditions.

Yes. You can request a credit line increase directly through the CardX App by following these steps:

1. Open the CardX App and select the card account you would like to increase the credit line for.
2. Select Credit Line Increase (Temporary or Permanent).
3. Choose your desired credit line amount.
4. Complete the required information, upload supporting documents, and follow the remaining steps.
5. Submit your request and wait for the approval result.

Please prepare proof of income and submit at least one of the following documents.

For salaried employees:

• Bank statement (salary account) for the past 6 months, or
• Current payslip or income certificate (required if you have changed employers or income sources within the past 5 years), or
• Latest Personal Income Tax Return (P.N.D. 90/91), or
• Annual withholding tax certificate (50 Bis), or
• Monthly withholding tax certificates (50 Bis) for the past 6 months

For business owners / self-employed applicants:

• Personal or business bank statement for the past 6 months, or
• VAT filing form (P.P. 30) for the past 6 months, or
• Latest Corporate Income Tax Return (P.N.D. 50/51)
• Additional documents may be required if there has been a change in business registration or source of income within the past 5 years:
  • Business registration certificate, or Commercial registration certificate
    issued by the Department of Business Development