6 Quick & Easy Ways to Check Your Credit Card Limit

Credit cards are widely used today, but to use them effectively, you need to know your spending limit. Here are 6 ways to check your credit card limit in 30 seconds that you should know.

1. When You Need to Check Your Credit Card Limit

A credit card limit is the maximum amount of money you can use for payments and spending with that card without incurring penalties within a certain period. Typically, this period ranges from 1 to 3 months, depending on the bank that issued your card.

This card limit is set by the bank based on the card type, your credit history, collateral (if any), income, or your creditworthiness during the credit card application process. The highest credit card limits can be billions of Vietnamese Dong or even unlimited. For first-time users, this limit is generally capped at VND 100,000,000, depending on the issuing bank's policy.

Cardholders typically check their card limits in the following situations:

• Periodic Checks: At each billing cycle, the bank sends the cardholder a detailed statement including the payment amount, recipient account, transaction time, etc. If the total amount used exceeds the allowed limit, the cardholder will incur an additional fee based on a predetermined percentage.

• Ad-hoc Checks: When you need to determine if your spending on the card has exceeded the limit, you should check your limit. If your actual spending is close to reaching the limit, you should adjust your financial plan.

Shopping with a credit card? Don’t forget your credit limit

Note: Credit cards are primarily for payments, not for cash withdrawals. When you use a credit card for online payments or transfers, you can utilize up to 100% of your card's limit. However, if you withdraw cash from a credit card at an ATM, each bank has different withdrawal limits and associated fees.

Therefore, to avoid incurring over-limit fees, you need to be aware of your limit and know how to check your credit card's available balance.

2. 6 Effective Ways to Check Your Credit Card Limit

Cardholders should check their card limits regularly to avoid overspending. In practice, there are 6 commonly used methods to check your credit card limit:

2.1. Check Your Card Limit at the Bank

With this method, you can visit any branch/transaction office within the issuing bank's network to request a credit card limit inquiry by following these steps:

• Step 1: Go to a branch/transaction office of the bank that issued your card and request to check your credit card limit.

• Step 2: Provide your personal identification documents such as your ID card/Citizen ID card/Passport (matching the information provided when you opened the credit card) to the bank staff.

• Step 3: The bank staff will check the requested card limit and provide you with the information.

Tra cứu hạn mức thẻ tín dụng VPBank tại ngân hàng

Note: While accurate, this method can be time-consuming as it requires a direct visit to the bank during business hours and may involve waiting if there are many customers.

2.2. Check Your Limit via Mobile Banking

You can also easily check your credit card limit via your bank's mobile app. Here's how to check your VPBank credit card limit via the app:

• Step 1: Download and install the VPBank NEO app (if you haven't already).

• Step 2: Log in to your account, then select the "Financial Inquiry" (Truy vấn tài chính) function.

• Step 3: The system will then send an OTP (One-Time Password) to your phone. Enter the correct OTP and tap "Confirm." Finally, you will see your credit card balance information displayed on the screen.

Inquire about your VPBank credit card limit.

Note: To perform this step, you need to have registered for Mobile Banking. Importantly, avoid logging into your account on unfamiliar devices to prevent account information theft. The advantage is that it's fast and accurate, requiring only a smartphone with internet access.

2.3. Check Your Card Limit via ATM

You can check your credit card limit at any ATM of your issuing bank or a linked bank. Here's how to check your credit card limit via an ATM:

• Step 1: Go to an ATM of your bank or a linked bank. Insert your card into the ATM in the direction of the arrow > Select a language, e.g., "English" or "Tiếng Việt" (choose Vietnamese for easier use if you're Vietnamese).

• Step 2: Enter your PIN.

• Step 3: Select "Information Inquiry" (Tra cứu thông tin) > Choose "View Transaction Limit" (Xem hạn mức giao dịch). Your credit card limit information will then be displayed on the screen.

• Step 4: End the transaction > Retrieve your card.

When entering your PIN using this method, remember to carefully observe the ATM and cover the keypad while pressing the numbers to ensure safety. The downside of this method is the time spent traveling to the ATM.

How to check your VPBank Smart Credit Card using an ATM

2.4. Check Your Limit via SMS Banking

To check your limit using this method, you need to have registered for the SMS Banking service when you first signed up for banking services to receive spending notifications and balance updates via SMS.

Each bank will have a different SMS syntax for checking card limits. This syntax will be provided by the bank to the cardholder when they open the card or can be found on the bank's official website.

Compose a text message using the specific format to check your VPBank credit card limit.

Example: VPBank's inquiry syntax has two forms:

• Default account balance inquiry: VPB SD send to 8149.

• Other account balance inquiry: VPB SD [Account Number] send to 8149.

Note: This method for checking your credit card balance is quick, but you need to have registered for SMS Banking beforehand.

2.5. Check Your Limit via Internet Banking

You can check your limit quickly and easily via Internet Banking. All you need is a computer/smartphone connected to the internet. Follow these steps:

• Step 1: Log in to your VPBank Internet Banking account at: https://www.neo.vpbank.com.vn.

Log in to your account directly on the VPBank website.

• Step 2: Under "Utilities" (Tiện ích), select "Spending Limit" (Hạn mức chi tiêu) to check your credit card limit.

VPBank credit card limit

Note: This inquiry method is fast, but it requires you to have a phone/computer with internet access and to have registered for a VPBank Internet Banking account when you opened your account.

2.6. Check Your Credit Card Limit via Hotline

Additionally, you can check your credit card limit by contacting the hotline.

For cards issued by Vietnam Prosperity Joint Stock Commercial Bank, you can call the hotline by following these steps:

• Step 1: Call the VPBank hotline at 1900.54.54.15. Provide the card number/account number you wish to inquire about and your cardholder information as requested by the hotline agent.

• Step 2: Answer the verification questions as requested by the hotline agent.

• Step 3: Receive the limit check information from the hotline agent.

Note: Cardholders will typically not be charged for requesting a credit limit check. However, you might incur phone charges for calling the hotline with some banks.

Checking your credit card balance regularly will help customers clearly understand their limit and the remaining funds on their card. This allows you to plan your spending more reasonably and avoid overspending.

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You've just explored various ways to check your credit card limit with detailed instructions from VPBank. We hope this article helps you know how to check and control your finances effectively.

You can certainly choose a powerful credit card that suits your financial needs from VPBank's credit card offerings at https://www.vpbank.com.vn/ca-nhan/the-tin-dung/. Act fast to register and open a card today to enjoy the most preferential benefits!