Standard Chartered Credit Card Limit: How To Increase & Check

Managing your credit card limit efficiently becomes necessary for each one of us. After all, it helps in better financial planning and improved purchasing power. For Standard Chartered Bank credit cardholders, understanding the processes of checking and increasing your credit card limit can be beneficial. Whether you’re aiming to make a big purchase or want more flexibility in managing expenses, knowing how to handle your credit limit is key. But fret not if you’re not aware. 

This article will help you. In this article, you’ll read the process of Standard Chartered bank credit card limit check/increase.

How to Check Your Standard Chartered Credit Card Limit

Standard Chartered offers a plethora of options to credit card holders through which they can check their credit card limits. Let’s get into each way quickly. 

#1. Via Online Banking

Standard Chartered offers an easy way to check your credit card limit through its online banking platform. Here’s how you can do it:

1. Log In: Visit the Standard Chartered online banking website and log in using your credentials.
2. Navigate to Credit Cards: Once logged in, go to the section for credit cards.
3. View Limit: Select your credit card to view details, including your current credit limit, available credit, and recent transactions.

#2. Using the Mobile Banking App

For those who prefer using their mobile devices, the Standard Chartered mobile app provides a user-friendly interface to check your credit card limit. Follow these steps:

1. Download the App: Ensure you have the Standard Chartered mobile banking app installed on your smartphone.
2. Log In: Open the app and log in with your banking credentials.
3. Access Credit Card Information: Go to the credit card section, where you can see your credit limit, outstanding balance, and available credit.

#3. Through Customer Service

If you are not comfortable using digital options, you can always contact Standard Chartered’s customer service. Here’s what you need to do:

1. Call Customer Service: Dial the customer service number provided on the back of your credit card.
2. Verify Your Identity: Provide the necessary details to verify your identity.
3. Inquire About Your Limit: Ask the representative for your current credit card limit.

Now you already know the process of checking your credit card limit. Let’s now read about ways to increase your card limit. 

How to Increase Your Standard Chartered Credit Card Limit

It’s never a quick way to increase your card limit. However, you can make sure it happens in the future. 

1. Eligibility Criteria

Before requesting an increase in your credit card limit, it’s crucial to understand the eligibility criteria set by Standard Chartered Bank. Generally, the bank considers the following factors:

1. Credit Score: A good credit score is essential. Typically, a score above 750 increases your chances.
2. Payment History: Consistent and timely payments on your credit card and other loans.
3. Income: Proof of a stable and sufficient income to support a higher credit limit.
4. Credit Utilization: Low credit utilization ratio (below 30%) on your current limit.

2. Requesting a Limit Increase

Here are the steps to request an increase in your credit card limit:

A. Online Request:

• Log in to your Standard Chartered online banking account.
• Go to the credit card section and select the option to request a limit increase.
• Fill out the necessary details and submit your request.

B. Through Mobile App:

• Open the Standard Chartered mobile banking app.
• Navigate to your credit card details and find the option to request a limit increase.
• Follow the instructions to submit your request.

C. Via Customer Service:

• Call the customer service number on the back of your credit card.
• Request to speak with a representative about increasing your credit limit.
• Provide the required details and submit your request over the phone.

3. Required Documentation

When requesting a credit limit increase, you might need to provide certain documents. These typically include:

• Income Proof: Recent salary slips or bank statements showing your income.
• Employment Proof: A letter from your employer confirming your employment and salary.
• Identification: A copy of your PAN card or Aadhaar card for identity verification.

Tips for Managing Your Credit Limit

At last, here are some tips for all credit card holders that can help them manage their card limit. 

1. Monitor Your Spending

Regularly monitoring your credit card transactions can help you stay within your limit and avoid overspending. Use the online banking or mobile app to keep track of your purchases.

2. Pay Your Bills on Time

Timely payment of your credit card bills not only helps in maintaining a good credit score but also enhances your chances of getting a credit limit increase. Set up reminders or auto-payments to ensure you never miss a due date.

3. Maintain a Low Credit Utilization Ratio

Try to keep your credit utilization ratio below 30%. This means if your credit limit is ₹100,000, aim to keep your balance below ₹30,000. A low credit utilization ratio positively impacts your credit score.

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Bottom Line

Overall, understanding and managing your credit card limit is necessary. Additionally, Standard Chartered Bank offers multiple ways to check and increase your credit card limit, making the process easy and simple. Thus, by following the steps mentioned in this article, you can effectively manage your credit limit to suit your needs. Hope this article helped you with the process of bank credit card limit check/increase.

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