Citi Credit Card Limit

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Check Citi Credit Card Limit

Knowing your Citibank credit card limit helps you assess the total funds available on your credit card that can be used for your purchases. It is closely related to the outstanding balance, which is the amount that has been spent on the card. The more you spend on the card, the less is the available balance. 

 

As a result, it is important to perform a quick check of your Citi credit card limit at regular intervals. You can check your Citi credit card limit easily through online as well as through offline channels, via the following methods:

 

Check Your Citi Credit Card Limit Online

  • Via Net banking

  • Via the Citi mobile app

     

Check Your Citi Credit Card Limit Offline

  • By calling Citibank customer care

  • By visiting the nearest Citibank branch

 

You will also see how your Citi credit card limit is decided, learn some tips to increase your Citi credit card limit, and discover answers to other frequently asked questions about how to check your Citi credit card limit.

How to Check Your Citi Credit Card Limit

You can avail any one of the below-mentioned online or offline facilities to check your Citi card limit.

Ways to Check Your Current Citi Credit Card Limit Online

You can check your citi credit card limit online via net banking or via Citi mobile banking. Here are the details you need to know about this. 

1.Check Your Citi Credit Card Limit Through Net Banking

Using your net banking account, you can check the limit of your Citi credit card online. If you are registered for the service, all you need to do is follow the steps mentioned below and you will know what your Citi card limit is.

 

Step 1: Visit the Citibank net banking portal.

Step 2: Log in to your account.

Step 3: Go to the 'Credit Card’ tab on the home page.

Step 4: From the drop-down, select the credit card for which you wish to view the credit limit.

Step 5: Click on 'View Account Summary' to view the details. 

 

Once the request is processed, you will be able to view your credit card summary in detail. This will also contain the details of your Citi credit card limit.

2.Check your Citi Credit Card Limit Via Mobile App

Here is how you can view your credit limit on the Citi Mobile app.

 

Step 1: Download the Citi mobile app on your phone from the app store.

Step 2: Register on Citibank’s mobile banking platform.

Step 3: Once you log in, go to the ‘Credit Cards’ section in the menu.

Step 4: Click on the ‘Account Summary’ option.

Step 5: Your Citi credit card limit will be displayed on screen along with other details of the card. 

Ways to Check Your Current Citi Credit Card Limit Offline

You can check your Citi credit card’s limit offline too, by reaching out to the customer care helpline or by visiting a Citibank branch. Here are the details. 

        1.Check your Citi Credit Card Limit Through Customer Care Support

You can also check credit card limits in real-time by calling the Citibank credit card helpline and connecting with a customer care executive. The numbers are:

  • 1860 210 2484 for Indian customers

  • +91 22 4955 2484 for people calling from outside India

    2.Check your Citi Credit Card Limit Via a Branch Visit

You can visit your nearest CitiBank branch and get in touch with a customer care executive. After providing necessary details such as your credit card numbers, card type, etc., the executive can assist you in checking your credit card limit.

How is the Citi Credit Card Limit Decided

Citibank takes into account several factors, such as:

  • The applicant’s annual income

  • The applicant’s age

  • The existing loans or liabilities

  • Their repayment capacity

  • The credit history and credit rating of the applicant

  • The type of Citi credit card variant that the applicant is applying for

 

After thoroughly assessing all these factors, ascertaining your Citi credit card eligibility and taking into account the bank’s internal policies, the bank determines your Citi credit card limit and communicates the same to you after processing your application.

How to Increase the Limit of Your Citi Credit Card

There are two scenarios in which you can increase your Citi Credit card limit —

  1. When the bank contacts you with a ‘Citibank Credit Card Limit Increase Offer’

  2. If you wish to opt for an  increase of your Citi credit limit even when the bank does not contact you first

Citi Credit Card Limit Increase Offer

The Citibank ‘Credit Limit Increase’ offer is a special pre-qualified offer that some users are eligible for, based on the card performance, usage, spend type, and several other parameters. If the bank finds you eligible and contacts you, you can respond to the offer through any of the methods mentioned below:

 

  • Send a blank email to cards.service@citi.com with the subject line ‘I accept the increase in credit limit.’

  • SMS “YES CLI” to 52484 or +91 98807 52484 from your registered mobile number.

  • Log in to your Citibank net banking account and write a response to the bank using the 'Your Queries' option.

  • Call the 24x7 Citibank credit card customer care helpline.

 

In case of a credit limit increase following an offer from the bank itself, no documents are required. However, the final decision for the increase of your Citi credit limit is taken by the bank after considering real-time credit checks and offer validity.

Apply for Citi Credit Card Limit Increase On Your Own

If you have not received an offer but wish to have more funds available on your card, you can also apply for a Citibank credit card credit limit increase of your own accord. Here is how you can do this. 

1.Via Email

You can write an email to retail.dox.india@citi.com from your registered email ID requesting for the same. 

2.Through a written request

You can also place a request to increase your Citi credit card limit by writing a letter to the official Citibank address mentioned below. 

Citibank N.A,

Mail Room, Acropolis 9th floor,

Dr. Radhakrishnan Salai,

Mylapore, Chennai,

Tamil Nadu - 600 004.

 

In your written request, remember to mention your credit card number, sign the letter and attach a copy of any of the self-attested documents mentioned in the section below. 

Documents Required to Increase Your Citi Credit Card Limit

If you want to increase your Citi credit card limit, you need to upload a copy of any one of the following documents:

 

  • Latest individual income tax returns along with the computation of income 

  • Latest 2 months' payslips or Salary Certificate 

  • Form 16 (duly attested and sealed by authorised signatory with their name and designation mentioned)

 

When you submit the above documents, ensure that you mention the number of the Citi Credit card for which you wish to increase the credit limit. You can submit the above mentioned documents through any of the following channels:

 

  • Send a copy of the self-attested documents from your registered email ID to retail.dox.india@citi.com 

  • Mail the documents to the following address: Citibank N.A. Mail Room, ACROPOLIS, 9th Floor, New Door No.148 (Old No.68), Dr. Radhakrishnan Salai, Mylapore, Chennai - 600004

Total Citi Credit Limit vs Available Citi Credit Limit

The total credit limit on your Citi credit card is the maximum limit of credit that you can use. This limit is set by the bank. In case you overspend on the total credit limit, the bank will levy a penalty, also known as the over-limit charges. 

 

The available credit limit, on the other hand, is the amount of credit that is currently available on your Citi credit card for spending. At any given point in time, this limit is computed after deducting all the amounts spent on your card earlier, up to that particular point.

 

Let us understand the difference between these two with an example.

 

Say the total credit card limit for your Citi credit card is set at ₹1 lakh. This means you can use your credit card to make spends up to ₹1 lakh. However, if you have already spent ₹25,000 from your card till now, then your current available Citi credit card limit will be ₹75,000.

FAQs on Citi Credit Card Limit

  • ✔️How long does it take for my credit limit enhancement request to be processed?

    Typically, your request for increasing your credit limit will be processed within 10 working days.

  • ✔️How often does the Citi Credit Card limit increase?

    You can send a request to the bank for a Citi credit card limit increase at any time. However, you will need to provide valid documents that support your eligibility for getting your request for an  increase in  your Citi credit limit approved.

  • ✔️Can I reduce my Citi credit card Limit?

    You can reduce your Citi credit card limit to the minimum limit assigned to that particular card. You can contact the 24x7 Citi phone banking service to apply for the same.