Credit card limit calculator for lending decisions
Enter one applicant or cardholder and pick a market. See the credit limit and the rule that sets it, then use the same rules in automated credit decisions.
Credit limit
The limit is ₺90,000, set by rules in Turkey (BDDK). Behaviour gives ₺120,000, income carries ₺360,000, and the market’s rules allow ₺90,000, which reflects an income cap in some markets and a repayment test in others.
High utilisation with enough statements paid in full earns the large increase.
Candidate limits
The lowest candidate is the limit, and a candidate with no cap has no bar.
Market rules for this person
| Rule | Cap for person | Applies |
|---|---|---|
| After the first year with a credit card, all card limits with every issuer together are capped at 4 times monthly income, less the ₺150,000 held with other issuers. | ₺90,000 | Yes |
These summaries cover each regulator’s rule for this tool and do not reproduce the full text. The issuer checks the current text. The lowest applicable cap is the market’s cap.
Behaviour decision table
| Months on book | Missed payments | Utilisation | Paid in full | Limit action |
|---|---|---|---|---|
| <6 | ANY | ANY | ANY | Hold limit |
| >=6 | >=2 | ANY | ANY | Cut by 50% |
| >=6 | 1 | ANY | ANY | Hold limit |
| >=6 | 0 | >=70% | >=50% | Raise by 50% |
| >=6 | 0 | >=70% | <50% | Hold limit |
| >=6 | 0 | >=30% | ANY | Raise by 25% |
| >=6 | 0 | <30% | ANY | Hold limit |
Rows paste as decision table cells, and the first matching row wins.
Get the result by email
Run these limit rules inside the credit decision for every application and cardholder, read limits held elsewhere from the bureau at that moment, and test threshold changes on past decisions before they go live. Start free
Show formulas
Behaviour limit, New applicant = Starting income multiple × Monthly net income Behaviour limit, Cardholder = Today’s limit × (1 + Large increase | Small increase) or × (1 − Cut after missed payments) Affordability limit = (Income share for all debt payments × Monthly net income − Other debt payments) ÷ Card payment share of limit Own income cap = Own income cap × Monthly net income Market = Lowest applicable market cap Credit limit = min(Behaviour limit, Affordability limit, Own income cap, Market), Rounded down Rounding step
The affordability limit assumes the card is fully drawn, and the behaviour rules are an example policy to edit, not a standard. Regulatory caps are summaries for this tool and are not legal advice.
How a credit card limit is set
A credit card limit is the amount available to spend on a card. This calculator compares what card behaviour allows, what income can carry after other debt payments, the lender’s own income cap and the market’s regulatory caps.
The lowest applicable figure sets the limit, and the result names the rule that set it. Use the figures to review a limit for one applicant or cardholder and to edit the example behaviour policy.
Credit limit questions
How do credit card companies determine your credit limit?
A limit can depend on card behaviour, income after other debt payments, the lender’s own income cap and regulatory caps. This calculator compares those figures and shows which one sets the limit.
How is a credit card limit set from income?
The affordability limit uses the share of income available for all debt payments, less other debt payments, and the card payment as a share of the limit. It assumes the card is fully drawn.
What can change a cardholder’s credit limit?
The example policy considers months on book, missed payments, utilisation and statements paid in full. Its thresholds are editable and the policy is an example, not an industry standard.
How do regulatory caps affect a credit card limit?
The market’s rules set a candidate limit based on the person’s income and circumstances covered by the rule. The calculator uses the lowest applicable regulatory cap as the market’s cap, and the issuer should check the current text.
How does utilisation affect a credit limit?
The example behaviour rules use utilisation alongside missed payments, months on book and statements paid in full. Depending on those figures, the rules can hold, raise or cut the limit.