Credit limit review
Cards & borrowingA lender’s review of your credit limit based on account activity and risk.
Overview
Reviews can lead to limit increases, decreases, or no change.
They may involve a soft or hard search depending on the lender.
Why it matters
- It can change your available credit.
- It can affect utilisation and score.
- It reflects how the lender views your account risk.
FAQs
Does a limit review affect my score?
It depends on whether the lender performs a hard search.
Can I decline a limit change?
You can sometimes decline an increase, but decreases are usually at lender discretion.
Related terms
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