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Learn how to increase the limit of your credit card

29/05/2013

This article was translated by an automatic translation system, and was therefore not reviewed by people.



 



 
The dentist Simone Carvalho tries, two years ago, to increase the limit of your credit card Mastercard Itaú without success. Despite being graduated and have already formed their own clientele, the bank keeps the ceiling for withdrawals and transactions that she had at the time was an intern. To help understand the reasons for refusal, the EXTRA listed reasons why financial institutions restrict the granting of benefits to customers.
 
- My income increased by 600%, and continue on the card with a limit of only R$ 800 - account.
 
The reason for the low value dates back to 2008, when Simone also university took out a loan. Despite having paid off the debt in 2009, by agreement, the fact that even today keeps increasing the limit of the card.
 
- I moved over the account, as I was asked, I changed my bank branch, but nothing resolved. I do not know what else to do. Just keep client Itaú because it is a bank that has branches everywhere - says.
 
There are even customers who receive explanations of institutions, such as the economist and current account with Citibank Leidiane Alves, who attempted a month ago, raising the threshold of one of his two cards:
- I asked because, well, I have accumulated more miles (to exchange for airline tickets) and could cancel the other card. There was no authorization. Even told me why.
 
Rules vary between public and private banks
 
There are those who can raise the credit limit of the card without difficulties. The Project Manager and Client Santander Davison Bastos, for example, has had the roof extended three times. The change usually accompanied the wage increase.
 
- One time, I did not have to ask - account.
 
The economist and professor at the University Anhembi-Morumbi Gonella Marcello says politics between banks is different:
 
- In public, the limit can not exceed 30% of the gross income of the customer. Managers do not usually have the autonomy to change that. In private, there is more flexibility. They have to consider several other factors.
 
Gonella, however, highlights that other factors can influence the decision:
 
- Account much you have personal guarantees, as ownership of assets, and professionals such as investment in educational training.
 
According to the Brazilian Association of Credit Card companies and services (Abecs), each institution has its own criteria for credit enhancement, which are not limited to timely payment of invoices and income of the customer.
 
According to the president of the site "Claim Here", Mauricio Vargas, in the last 12 months, 1,120 reports on the subject were recorded - a universe of 43,758 on credit cards. But Vargas is a caveat:
 
- Some complaints are unfounded. So analyzed, the consumer, in most cases, has no reason. Everyone wants to buy and is hanged.
 
Wanted by EXTRA, the Itaú reported that the limits of their credit cards vary according to the profile of each customer and "internal settings" of the institution.
 
Santander gave a similar answer and emphasized that applications are also reviewed by managers.
 
The Bank of Brazil said that works with credit limits for each client, according to the risk analysis.
 
The CEF clarified that, once requested by the customer, the bank extends the limit of cards in up to 20%. To get it, you need to take up an agency documents showing that the increased income.
Bradesco and Citibank did not comment on the matter.
 



Source: Extra - online

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This article was translated by an automatic translation system, and was therefore not reviewed by people.

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