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WordsCredit limit increase

CLI

Short for credit limit increase: a higher limit on a card you already have. RBI’s rules count a limit increase as an upgrade, and a bank can’t raise your limit without your explicit consent.

You can ask, and banks also offer them; HDFC Bank’s MITC, for example, says you can write in with income documents and the bank decides at its discretion. A bank can also cut a limit, and RBI’s rules say it has to tell you when it does.

Where this comes from

  1. RBI, Credit Cards and Debit Cards: Issuance and Conduct Directions, 2025Paragraphs 5(23), 11(4) and 34, as updated 1 October 2026
  2. HDFC Bank, Key Fact Statement cum MITC for Credit CardsVersion 4.12, 30 September 2026: Part I, B) ii. available credit limit

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A limit increase, and when it cameThe day your limit was cut

More words like it

  • LE

    Limit enhancement

    What some banks call a limit increase: a higher limit on a card you already have, given only with your consent.

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  • Utilisation

    How much of your limit you use

    Using ₹30,000 of a ₹1,00,000 limit is 30 per cent. The credit bureaus look at it.

    More about utilisation

  • CIBIL

    Your credit score, as people say it

    India's first credit bureau, and the name most people use for their credit score, which runs from 300 to 900.

    More about CIBIL

  • Statement date

    The day your bill is made

    The day each month's bill is made. RBI's rules give you at least a fortnight to pay, and let you move it at least once.

    More about statement date

What happened to members, not financial advice. Offers change, so check with the bank. Terms of use