Credit card limit calculator for France
Enter one applicant or cardholder. The limit in France is the lowest of what card behaviour allows, what income carries after other debts and what French rules allow, and the page names the candidate that sets it.
Credit limit
The limit is €11,500, set by rules in France (Code de la consommation). Behaviour gives €15,000, income carries €15,000, and the market’s rules allow €11,814, 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 |
|---|---|---|
| There is no cap on the limit. A revolving credit of €3,000 or less is repaid within 36 months and a larger one within 60 months. The full limit, repaid in equal monthly instalments over that period at 18% a year, has to fit in what income leaves after other debt payments. | €11,814 | 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.
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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 France sets a credit card limit
France sets no cap on a credit limit. Under article D. 312-27 of the Code de la consommation, revolving credit of €3,000 or less is repaid within 36 months, and larger credit within 60 months. The tool models equal monthly instalments at the card’s rate against income left after other debt payments.
The credit limit is the lowest candidate, and the one that sets it depends on the applicant or cardholder. Use the result to review that case and edit the example behaviour policy.
Credit card limits in France
How is a credit card limit set in France?
France sets no cap on the credit limit. Article D. 312-27 requires revolving credit of €3,000 or less to be repaid within 36 months, and larger credit within 60 months. The tool models equal monthly instalments at the card’s rate against income left after other debt payments.
Does France cap revolving credit limits?
France sets no cap on a revolving credit limit. The tool models the repayment rule by testing whether equal monthly instalments on the full limit fit income left after other debt payments.
What does article D. 312-27 say about credit limits in France?
Article D. 312-27 sets repayment periods of 36 months for revolving credit of €3,000 or less and 60 months for larger amounts. France sets no cap on the credit limit.
Does a French card issuer check the FICP before granting credit?
France sets no cap on the credit limit. Before granting credit, the issuer checks creditworthiness and the FICP file of repayment incidents under article L. 312-16.
How does income affect a revolving credit limit in France?
France sets no cap on the credit limit. The tool tests whether equal monthly instalments on the full limit, at the card’s rate over the applicable repayment period, fit income left after other debt payments.