Advanzia reviews your credit limit based on payment behaviour, income updates, and internal scoring. You may request an increase if your needs change.
Before requesting
- Keep payments on time for several billing cycles
- Update income in online banking if it has increased
- Understand that a request can result in approval, partial increase, or decline
Request process overview
| Stage | Where | Outcome |
|---|---|---|
| Submit request | Online banking or app → Credit limit | Confirmation on screen |
| Review | Automated / manual underwriting | Usually within a few business days |
| Decision | Email and account message | New limit shown in app |
Limit decreases may apply if account conduct changes. The free card remains without annual fee; limit is not the same as cash available for withdrawal.
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