Brazil credit card limit calculator
Enter one applicant or cardholder. The Brazil limit is the lowest of the behaviour limit, what income carries after other debts, the lender’s own income cap and what Brazil’s rules allow. The calculator names what sets it.
Credit limit
The limit is R$6,000, set by behaviour limit. Behaviour gives R$6,000, income carries R$34,000, and the market’s rules allow no cap, which reflects an income cap in some markets and a repayment test in others.
Two or more missed payments in the last 12 months cut the limit, never below today’s balance.
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 |
|---|---|---|
| There is no cap on the limit, and the limit has to fit the cardholder’s credit risk profile, which the behaviour and affordability limits stand for here. | Yes | |
| A cut below today’s limit takes effect 30 days after the cardholder is told, or at once with notice when the cardholder’s risk profile has worsened. | 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 credit card limits are set in Brazil
Resolution BCB 96 of 2021 says a credit card limit must fit the cardholder’s credit risk profile, and sets no cap. The tool shows this beside the affordability limit, and a cut below today’s limit takes effect 30 days after notice, or at once with notice when the risk profile has worsened. Check the current text.
The lowest candidate sets the credit limit, and the rule that binds can differ from person to person. Use the result to review one applicant or cardholder and edit the example behaviour policy.
Brazil credit card limit rules
How is a credit card limit set in Brazil?
The tool compares the behaviour limit, affordability limit, the lender’s own income cap and Brazil’s rules. The lowest sets the limit, and the result names it.
Does Brazil set a cap on credit card limits?
Resolution BCB 96 of 2021 sets no cap on the limit. It says the limit must fit the cardholder’s credit risk profile, which the tool represents with the behaviour and affordability limits.
When can an issuer cut a credit card limit in Brazil?
A cut below today’s limit takes effect 30 days after the cardholder is told. It can take effect at once with notice when the cardholder’s risk profile has worsened.
What affects a credit card limit in Brazil?
The calculator compares the behaviour limit and affordability limit, then includes the lender’s own income cap and Brazil’s rules. The lowest candidate sets the result.
How does card behaviour affect a limit in Brazil?
The example policy uses card behaviour to set a behaviour limit, and you can edit its rules. Two or more missed payments in the last 12 months cut the limit, never below today’s balance.