Credit cards are financial tools that make funds available to you when in need. However, the credit cards come with a set limit on your spendings using the respective credit card. The customers. ICICI Bank also issues cards to its customers with a capped limit. However, you can always request the bank to increase your credit card limit. If the customer chooses to spend beyond this capped limit you shall be charged with an overtime fee. Below are stated some ways in which you can request the bank to increase your credit card limit.
Ways to Increase your Credit Limit on Your ICICI Bank credit card
The ICICI bank customers can make a request to the ICICI bank to review, increase or decrease their credit limit. To apply for this feature, you must be an existing customer of the bank for more than 12 months. You can request for credit limit increase using the below-stated methods
- Pre-Approved Limit Enhancement
- Through Direct Request
- Pre-Approved Limit Enhancement: ICICI bank reviews the credit card account of their customers periodically. The bank will communicate through SMS with all the eligible cardholders to confirm their eligibility. You need to reply to the bank with your approval and a call will be scheduled by the bank to increase your credit limit.
- Through Direct Request: ICICI bank customers can increase their credit card limit by contacting the 24/7 customer care number and checking their eligibility. The bank has a different helpline number and visits the customer helpline page here. To verify your details by entering your card number and PIN. The bank may choose to approve or reject your application after the request for a credit limit is made. You may receive a confirmation message from the bank once your application is approved by the bank.
How to Request Credit limit Increase on Your ICICI Bank credit card?
ICICI Bank customers can increase their credit card limit on their ICICI Bank credit cards. The customers can increase their credit card limit the bank using various modes.
Via SMS: You can reach out to the bank requesting a credit limit increase by sending an SMS CRLIM to <5676766>. You can request to increase your credit card limit as per your eligibility.
Via Internet Banking: You can follow the below-stated instructions to request a credit limit increase.
Step 1: Firstly, log in to your internet banking and click on “My Accounts”
Step 2: Then, choose your credit card
Step 3: Go to “Manage Credit Limit” and click on the “Go” button
Step 4: You shall see the “Existing Credit Card” limit, “Maximum Credit Card” and mention your Desired Credit limit
Step 5: You will receive a One-time-password on your registered mobile number.
Step 6: Click on Submit and after entering your OTP.
Step 7: You will receive a confirmation message on your registered mobile number after successful completion.
Through iMobile App: You can also request a credit limit increase using the ICICI Bank i-Mobile app
Step 1: Firstly, hover onto “Cards, Loans and Forex” option
Step 2: Enter your Card Number and then go to manage card
Step 3: And choose the “Manage Credit Card Limit”
Step 4:Click on Submit button.
Through Customer Care: The customers can also call 1860 120 7777 or 1800 103 8181. You shall be assigned a customer care executive to provide you with assistance related to your request.
You shall be an existing customer for more than 12 months to request the credit limit increase feature.
The ICICI bank will communicate through SMS to know if you are eligible for a credit limit increase.
The ICICI bank customers can request the credit limit increase by sending an SMS at CRLIM to <5676766>