Change the credit limit at the bank. How to increase the credit limit on a Privatbank card. Ways to reduce the limit

Some Sberbank clients are looking for a way to reduce the credit limit on their card. In order to find the best solution to this issue, it is necessary to consider all possible options and study them in more detail.

Best credit card offers:

Best loan offers:

Why do you need to reduce the limit?

Credit cards from Sberbank.

In many banks, the provided credit line is renewed, that is, the client who made the payment will be able to use the same funds again the next day. In addition, the maximum limit of loan funds provided may increase each time, judging by the reviews, this does not always suit borrowers.

Dissatisfaction can arise for several reasons:

The influence of the human factor. Having received a significant amount, a person cannot always resist the temptation not to spend it all at once. But the debt will then have to be repaid.
Interest rate. In some banks, interest on a loan is charged not on the balance of the debt, but on the entire limit. As a result, the client is forced to pay much large amounts than I expected. Sberbank does not have such a practice, but some people do not know about it.
Safety. In the event of loss or theft of a card carrier, fraudsters will be able to use borrowed funds, and that is why additional insurance against such situations is necessary.

However, according to general rules, banks cannot increase the amount of available funds on a credit card without the consent of the borrower. As a rule, its maximum limit is indicated when concluding the contract.

Ways to reduce the limit

The banking institution itself can reduce the available line in the following cases:

with systematically outstanding debt;
when hiding from bank specialists;
in case of non-payment of existing arrears.

Three years ago this question seemed strange: a large limit is prestigious and convenient! I'm cool, they give me money without anything! Last year, the tone of statements was moderated: they say, why reduce it? Let it be, in case it comes in handy. You just need to be more careful with your money.

The citizens came to their senses and realized: it’s not convenient. And they give little - a maximum of three average salaries. If, as they say, it’s really bad, they won’t do any good. And most importantly, the sign of “trust” turned out to be much more “biting” than the most hand-crafted consumer loan without a specific purpose. I wrote a little about this (“What is the difference between a credit card and a debit card”) and I will write more, in more detail. In the meantime, let’s figure out what and how to do with this same credit limit. Because it's not easy.

The easiest way is to change the size of your credit card loan up or down. We take 2-personal income tax with new income. If there are other loans hanging around, we take repayment statements for them. We go to the bank, present it, write a statement. Now is a particularly convenient moment for this: you can at the same time re-issue the loan agreement under the new law, it will become much more transparent. The formal justification is refinancing the loan due to changed income. If you do not insist on reducing the interest rate and the repayment is carried out carefully, they will almost certainly agree. There are no legal reasons for refusal, and debtors from banks keep leaving and leaving, the good ones need to be kept.

Formally - debit

At first glance, reducing the credit limit is quite simple: we go to the bank, write an application, and that’s it. No, not all - the application is accepted, but after checking the card, we see that it has not decreased. We leave the complaint in the bank’s complaint book, complain to the Central Bank, to the Consumer Rights Protection Society - the result is zero.

We go to a lawyer, we want to sue. And here a cold shower awaits us: there is no law that would oblige the bank to respond to my application on this occasion or to respond to a complaint anywhere at least somehow. Do you receive interest on your balance regularly? It’s not clear where the money is going from your account? Have credit conditions worsened? That's it, no complaints against the bank. After all, no one is forcing you to touch this limit even by a penny.

Oh, the bank wants to catch you? Is he digging a trap, trying to push you into a debt hole? Yes, it is immoral, but it is not prohibited by law. You want to live in peace for your own - the bank wants you to give it all of yours. You want - he wants. Everyone can want what they want, but he will still want it that way and won’t listen to anyone.

This is what the formal approach to the credit limit problem leads to. In the new, just adopted law on loans, most banking tricks are directly suppressed. But there is not a word about a credit limit. And it cannot be, because it is not a loan. But there will be an article about this later.

Not quite on topic, but I remember Winston Churchill’s statement: “Democracy is bad way social structure. It’s just that no one has come up with a better one yet.” And I also remember that in the agora (place for public meetings) in the birthplace of democracy, in ancient Athens, people voted either by shouting, and the ephors (elders) considered those who shouted the loudest to be the majority; therefore, all parties sought to lure the most rabid loudmouths to themselves. Or shards of pots - ostracons. They threw them at those they didn’t like; this was called ostracism. It happened that they were ostracized even to death: a shard from a grain or wine amphora of 60-100 liters weighs as much as a good cobblestone, and its edges are sharp.

And I also remember Zadornov’s trick in Gorbachev’s times. The satirist came on stage with a thick book. Shows the audience: “See? Medical encyclopedia, volume on “P”. And now I read: “Pluralism is the highest degree of sexual perversion, when three or more partners participate in sexual intercourse.” Now, someone explain to me what pluralism of opinions means.” But to the point.

Really

So, you cannot count on a formal reduction of the credit limit, based on the principle of the rule of law. For there is no such law and there cannot be. Because everyone “I want” is equal before the law, and if not, then everything is generally simple - who will tear whose throat.

Approach like a human being, like a gentleman? In the spirit of delicate moral balance, mutual concessions and agreements of past times? If you are a reliable debit client of a bank and want to issue a separate credit card with the bank in exchange for the limit, they will most likely meet you halfway. And it will be more convenient and easier in all respects, see the same article about comparing cards.

But most often it happens that the best credit card appears in another bank. Perhaps competing with your debit. Then it is useless to write something, ask, convince, or even offer a bribe. The morality is not the same now. Past concepts of honor and decency are relegated to the category of fairy tales about good fairies. Remember Makarevich’s song “Fairy Tales for Fools”?

Here we will have to take a break again. In today's world, 2/3 of the population is engaged in unproductive labor. Simply, they themselves do not understand why they are in the world. But they are not lazy or untalented people. Further, for every head of food in our world there is less than 0.5 hectares of arable land. And complete balanced nutrition from these 50 acres can only be obtained for 1/4 of the almost 7.5 billion population of the Earth. And 3/4 are doomed to chronic malnutrition.

What follows from this? And the fact is that, having seen your benefit, a completely adequate and friendly bank employee will never meet you halfway. Just out of spite. The instinct of self-preservation will not allow it. This is the morality now. And to achieve your goal, you need to act gradually.

Quietly

Let's apply the principle of judo: use the opponent's strength against him. Specifically: banks are making public the conditions for increasing the credit limit (by the way, if you want to increase it, then they are effective):

Use the card regularly;
Don’t limit yourself to withdrawing cash, but also pay for purchases, services and make non-cash payments with the card.
Repay mandatory payments on time.

And now, in order to bring down the limit, let’s go from the opposite:

Do not use debit card You can’t do it regularly, 2 times a month is already regular. But! We withdraw only cash (this immediately annihilates item 2 of the previous list), and only from other people's ATMs. You need to first find out which ones don’t take extra. rental commission. If it turns out that they are from a competing bank, generally wonderful.
Not repaying debts is more expensive for yourself - fines and penalties will apply. What to do? We repay regularly, day after day. And the day is the penultimate one before the end of the reporting period in our bank. Under the turmoil. If you appear like this, like a jack-in-the-box, with mocking precision, it will not go unnoticed. But there is no formal reason for punishment.

The general meaning of these procedures is to become a formally flawless bone in the throat for the bank. The only way for them to take revenge is to reduce the credit limit, and banking software will do this themselves. During the quarter, the limit disappears.

True, if you need to get a loan later, don’t expect easy conditions. But if the same bank provides acceptable terms for loans, then issuing a credit card instead of an overdraft will not cause problems, see above. And if the lender is more attractive than another, then what is the need? The described method of action will not spoil the CI in any way.

Is it necessary?

Is such trouble even necessary? For now, if an overdraft is imposed, yes. Ideally, the interest on the balance on a certain universal debit-credit card should be approximately 1 percentage point. lower than the average refinancing rate of the Central Bank, the interest on the loan is the same amount higher, and the size of the overdraft is equal to the annual income for the previous year. In the Russian Federation now it would be 6.5% on the balance and 8.5% on an annual loan of 400,000 rubles.

However, at present, conditions that allow the issuance of truly universal cards do not exist in any country in the world. And, judging by the trends in the global economy, they will not appear anywhere in the foreseeable future either. Therefore, now it is most reasonable to conduct your debit and credit on different cards.

How to increase the credit limit on a credit card? This question concerns most users who use a payment instrument.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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The money that the bank is ready to provide for use is not always enough.

However, the company that issued the card is ready to meet halfway and increase the limit.

To perform the steps correctly, you need to know the basic nuances of the procedure.

What it is?

Expense limit - the number of your own and credit Money, which the user can use to perform transactions.

Knowing the amount of money that is available for actions, the owner of the funds will be able to control the budget and not go beyond the limits set by the bank.

You can find out the available limit using:

requesting a card balance through a terminal or ATM;
by calling the support service;
using Internet banking.

The choice of method depends only on the convenience of the user. Methods are available at any lending institution.

What does it depend on?

When contacting a bank, a client cannot always count on the organization providing the borrower with the maximum amount of capital.

The amount of funds available is influenced by:

the type of credit card the user owns;
the amount of client income;
income stability;
the policy of the selected institution;
credit history.

Each bank has its own limits, which cannot be exceeded. By the amount of capital that an institution is ready to provide, one can judge the degree of trust in the user.

The institution studies information about the amount of income and, based on it, indicates the amount that it is ready to provide.

If a person cannot bring a certificate of income and other necessary documentation to the bank, in this case a minimum limit will be established. Usually the amount does not exceed 50,000 rubles.

However, there are banks whose minimum limit is fixed at a high level. By contacting such institutions, a person can count on receiving up to 200,000 rubles.

How to increase the credit limit on a credit card?

The credit limit on the card can be increased. The action can be performed at the request of the borrower or at the initiative of the bank.

In a contract concluded with a credit institution, a scheme is sometimes indicated, by using which a person will be able to increase the amount of the available amount.

The main requirement for an increase is timely payment y.

If the client copes with this task, after 3-6 months the bank will automatically increase the available amount. If the person meets his obligations again, the company will again increase the available limit.

It must be remembered that the bank has the right not only to increase, but also to reduce the amount of funds that a person can use.

This can happen if a person is on time for a loan, or his solvency has dropped sharply.

Sberbank

If a person uses a payment instrument from Sberbank, increasing the limit on a credit card online is not difficult. However, there is a list of other methods.

The company can independently increase the amount of cash available for use.

If this does not happen, the client has the right to express a desire to increase the limit using:

payment terminal of the institution;
a telephone call to the company's support service;
Internet banking;
personal visit to the institution.

The choice of the appropriate method depends on the desire and convenience of the user.

Tinkoff

It differs from others in that it does not accept applications to increase the limit. However, it is still possible to increase the available amount of funds.

The system automatically analyzes all the nuances of cooperation and makes decisions based on aggregate data.

The available amount is reviewed once every 4 months.

The user will learn about the bank's decision by receiving an SMS message. The system will then prompt you to confirm the increase or refuse the proposed bonus.

Alfa Bank

An increase in the limit in the company can occur either automatically or after the user’s application. An institution rarely increases the amount of available funds on its own.

The reason for performing the action is a report on the user's expenses.

If the company is repeatedly convinced that a person has few available funds and he returns the capital in a timely manner, the institution will independently take the initiative and increase the available amount.

Increasing the limit using an application is the most common way to adjust the limit at Alfa-Bank.

To qualify for an increase in the available amount, a person must fill out a form and submit it to the company office for review. After analyzing the data, the institution will decide whether to increase the limit.

VTB 24

An increase in the available amount is carried out only after expressing a desire through an application.

When analyzing the questionnaire, the bank will take into account:

credit card usage history;
presence of overdue loans;
list of documents that were provided to confirm solvency.

Depending on the limit that the client wants to receive, the organization's requirements may change. For example, additional papers may be required to confirm solvency. Without their provision, the company will refuse to increase the available amount.

A client who already has loans can also contact VTB 24 to obtain a credit card.

However, in this case, a person will only be able to receive a means of payment that has a 0 limit. An increase in the indicator will become available only after the client pays off current debts.

Methods

The pattern of actions can vary significantly depending on how the action is performed.

It is much easier to wait until the bank independently offers to increase the limit. However, the company is not always in a hurry to carry out the action.

For this reason, a person must be prepared for the fact that he will need to write a statement.

Automatically

An increase at the initiative of the bank is the easiest way to increase the limit. When performing an action, the credit institution analyzes the transaction history and payment dates.

The client has the right to confirm the increase in the amount or refuse to perform the action.

According to the application

In practice, cases when an organization independently offers a person to increase the available limit occur infrequently. However, the rules of credit institutions allow the owner of the means of payment to take the initiative and contact the bank to increase the limit.

To request an increase in the available amount, you will need to submit an application. The institution will analyze the data provided and make a decision.

Companies do not always satisfy customer requests. The bank's verdict is influenced by the user's reliability and solvency.

The application form may vary. You can obtain the form by contacting an employee of the institution.

The company will study a new user profile only if at least 6 months have passed since the opening of the payment instrument, and the client has managed to establish himself as a reliable borrower.

In addition to the application, the bank will need to provide the following documents:

income certificate;
passport of a citizen of the Russian Federation;
additional documents.

After filling out the application and handing it over to the company employee, the person must wait for the company’s decision. If it is positive, the firm will notify the client that the application has been confirmed.

Usually a person receives an SMS on their phone, which contains all the information about the new limit.

Can they refuse?

A negative response to an application to increase the limit is not uncommon.

The company will not increase the limit if it is sure that the person will not cope with the obligations that he plans to undertake.

Let's look at the easiest way to reduce the credit limit on a Privatbank credit card. The most in a simple way to do this is to change the settings in .

Let's describe a short way to reduce the limit on a credit card:

1. Go to Privat24 (if you are not registered, then this is easy to do using your phone and the plastic card on the site itself)

2. Open the “My Accounts” tab, select the required card on which you want to change the credit limit, find the “Card/Account Management” setting and go to it:

3. On the tab that opens, find the line “Credit limit” and click on the amount of the established limit next to it:

3. After clicking on the limit amount, an editing window will open; in this window, specify the new limit amount and click the save button:

4. After specifying the new limit and clicking the save button, a message will appear that your application will be reviewed within the next few days. In fact, there are cases when they consider changing the limit to two weeks.

In theory, that's all!
The most important thing is that when a bank employee considers your application to reduce the credit limit on the card, it contains the necessary funds to close the specified part of the limit.

How to remove a credit limit in Privat24

In order to change the credit limit or remove it completely, you need to carry out the same actions, only the limit can be set to zero. And if there are sufficient funds, the credit limit on the card will be closed.

Separate service for changing the credit limit on Privatbank cards

Recently, Privatbank created a separate service for managing the credit limit for plastic cards. The service is available at limits.privatbank.ua. Using it, you can apply for changes to your credit limit.

Credit card owners are divided into two categories: those who want to increase their credit limit, and those who would like to disable the credit limit for the PrivatBank credit card to avoid trouble or simply because it is unnecessary.

It must be admitted that the author initially belonged to the second group. Having read horror stories about fraud with credit cards and problems with repaying a loan, we didn’t want any unnecessary worries. But over time, the opportunity to borrow money from a burden has turned into a kind of abstraction that does not at all burden the user who monitors his card account and controls spending on the card, not allowing himself to go into debt.

But still, the question exists: if a credit limit is not needed, then why have it, increasing your own risks. For example, in case of hacking and theft of money, the amount of losses increases by the amount of the credit limit, which the attackers will certainly also try to withdraw. That is, it would be desirable to eliminate the unnecessary function of a credit card. And so many people think so.

Of course, PrivatBank, like any bank in general, is not at all happy with the fact that you will deprive it of a piece of bread by refusing to enter into debt at interest. The “Universal” credit card is already free, but if you turn off the credit limit, then PrivatBank completely turns into a philanthropist who serves people completely disinterestedly.

But PrivatBank, like its “Universal” credit card, is a completely unique phenomenon, so here the possibility of lending with a card can be canceled.

How to disable the credit limit for a PrivatBank credit card

To disable the credit limit on the "Universal" card, you need to go to the Privat 24 website and open the menu item "More" - "Credits" - " Change credit limit".

After some time, a decision on your application will be made, which will be displayed on the page with your credit card details.

Attention: Be careful! It is possible that over time PrivatBank will unilaterally raise the bar again. He has the right to this. Therefore, visit Privat 24 more often.

PrivatBank's rules have a number of little-known positions that often surprise even experienced users. So, for example, if you do not repay the debt within the grace period, you will have to pay 2.5% for the remaining debt, after which the debt is transferred to the category of ordinary and must be paid with 7% monthly mandatory contributions.