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Credit Card Limit Increase

General

1. What is the ‘Increase Credit Card Limit’ service?

This service allows eligible ABK customers to instantly increase their credit card limit directly through the ABK mobile app, without visiting a branch.

2. Who is eligible for this service?

Only customers who meet the required eligibility criteria will automatically see the ‘Increase Credit Card Limit’ option in the application.

Eligibility Criteria
• Good credit history as per CINET
• Meets Central Bank of Kuwait’s Debt Service to Income Ratio (DSIR) requirement
(total monthly loan repayments, including the credit card, must not exceed 40% of net monthly salary for employees)
• Visa Platinum Cashback credit card is not eligible for the credit card limit increase service
• Subject to ABK's credit cards T&C and approval

3. Why don’t I see the ‘Increase Credit Card Limit’ option in my app?

If you are not eligible for the service, the option will not appear.

4. How can I request for an instant limit increase?

1. Log in to your ABK mobile app
2. Select ‘Cards’ on the homepage
3. Select the credit card you would like to increase the limit for
4. Select ‘Increase Credit Card Limit’
5. Enter your new desired limit
6. Toggle the option to approve ABK to view your CINET report
7. Select your preferred method to receive the OTP
8. Enter the OTP to confirm

5. How often can I use this service?

Once your limit has been increased, the ‘Increase Limit’ button will disappear and will only reappear after 48 hours.

6. What happens after my limit is increased?

The new limit takes effect immediately and you can use it for transactions and withdrawals according to your credit card terms.

7. Will ABK check my credit information?

Yes. By using this service, you authorize ABK to exchange your credit information with other banks and parties through CINET, and to inquire about your credit card and loan data in accordance with applicable banking regulations.

8. Subject to eligibility, what is the minimum and maximum amount I can increase my credit card limit by ?

Minimum limit: KD 50
Maximum limit: KD 10,000

9. Are all credit cards eligible for a limit increase?

The ABK Visa Platinum Cashback credit card is not eligible for this service; however, all other credit cards are.

10. Can ABK reject my limit increase request?

Yes. ABK may decline requests based on your credit profile in CINET or other criteria set by the bank.

11. Do the general credit card terms and conditions apply?

Yes. All credit card limit increases are subject to ABK’s credit card terms and conditions, which include definitions, responsibilities, usage limits, liabilities, and applicable fees.

12. Where can I read the credit card terms and conditions?

You can view the complete credit card terms and conditions on ABK’s website, mobile app, or by requesting a copy at any ABK branch.