HBL Credit Card Limit:
HBL (Habib Bank Limited) offers a range of credit cards with varying limits based on the cardholder’s income, spending patterns, and creditworthiness. Understanding your HBL Credit Card Limit and how to extend it can help you manage your finances effectively and maximize the benefits of your card.
How to Check Your HBL Credit Card Limit?
HBL provides several convenient ways for cardholders to check their credit limit:
SMS Banking
HBL allows customers to check their available credit limit via SMS. Send a text message from your registered mobile number:
- Type CCLIM and send it to 4250
- You will receive an SMS with details of your credit limit and available balance.
HBL Mobile App
The HBL Mobile App provides instant access to your credit card details, including your current credit limit. Follow these steps:
- Log in to the HBL Mobile App.
- Navigate to the Credit Cards
- Your total credit limit and available balance will be displayed on the screen.
HBL Internet Banking
If you prefer to check your credit limit online, HBL Internet Banking is another convenient option:
- Log in to your HBL Internet Banking account.
- Click on Credit Card Services.
- Your credit card limit and available credit will be displayed.
HBL Phone Banking
You can also call HBL’s 24/7 helpline to inquire about your credit limit:
- Dial 111-111-425 from your registered number.
- Provide necessary details for verification.
- The representative will inform you about your credit limit.
Monthly Credit Card Statement
HBL sends a monthly credit card statement via email or postal mail. This statement includes:
- Total credit limit
- Available credit
- Previous transactions
Checking your statement regularly can help you stay updated on your credit utilization.
Process to Extend Your HBL Credit Card Limit:
You can request an increase if your current credit limit is insufficient for your financial needs. Here’s how you can do it:
Eligibility Criteria for Credit Limit Enhancement
Before applying for a credit limit increase, ensure that you meet the following eligibility requirements:
- Regular and timely payments on your credit card for at least 6 months.
- A strong credit score with no history of missed or late payments.
- A steady increase in income or employment stability.
- Low credit utilization ratio (preferably below 30%).
- No existing overdue balances or financial disputes with the bank.
Methods to Request a Credit Limit Increase
HBL provides multiple ways to request a credit limit extension:
Through the HBL Mobile App
- Log into the HBL Mobile App.
- Select Credit Card Services.
- Choose Increase Credit Limit and follow the instructions.
Via HBL Internet Banking
- Log in to your HBL Internet Banking account.
- Navigate to Credit Card Management.
- Click on Request Credit Limit Increase.
- Fill out the required details and submit your request.
By Calling HBL Customer Support
- Dial 111-111-425 and request a credit limit increase.
- Provide verification details and required financial documents (if needed).
- The representative will process your request and inform you about the status.
Visiting an HBL Branch
- Visit your nearest HBL branch.
- Submit a written request for a credit limit increase.
- Provide proof of increased income (such as salary slips, tax returns, or bank statements).
- The branch will process your request and update you on the status.
Sending an Email Request
- Email HBL’s customer service at care@hbl.com.
- Mention your credit card number (last 4 digits only), reason for the request, and proof of increased income.
- The bank will evaluate your request and respond accordingly.
Factors That Affect Credit Limit Increase Approval
HBL evaluates several factors before approving a credit limit enhancement:
Payment History:
A history of timely payments increases your chances of approval.
Income Level:
A higher income proves financial stability and repayment capability.
Credit Score:
A strong credit score (above 700) enhances your approval chances.
Debt-to-Income Ratio:
A lower ratio indicates better financial management.
Spending and Repayment Behavior:
Responsible credit usage and full repayments strengthen your application.
Tips to Get a Credit Limit Increase Faster
- Maintain a low credit utilization ratio.
- Make full and timely payments on your credit card.
- Regularly update your income details with the bank.
- Avoid multiple loan or credit inquiries in a short period.
- Build a long-term relationship with HBL by using multiple banking services.
Conclusion:
Knowing your HBL credit card limit is easy through SMS, mobile banking, internet banking, or customer support. If you require a credit limit increase, request it via the HBL Mobile App, Internet Banking, customer service, or by visiting a branch. Ensuring a strong credit score, timely payments, and a stable income will improve your chances of approval. By managing your credit wisely, you can enjoy higher spending limits and greater financial flexibility with your HBL credit card. CometInsure is committed to providing reliable and affordable insurance solutions for individuals and businesses.
