Credit card limit calculator for Mexico
Enter one applicant or cardholder to see the credit card limit in Mexico. It is the lowest of what card behaviour allows, what income carries after other debts and what Mexico’s rules allow, and the calculator names which one sets it.
Credit limit
The limit is MX$68,000, set by rules in Mexico (Banxico). Behaviour gives MX$75,000, income carries MX$100,000, and the market’s rules allow MX$68,493, 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, and the minimum payment on the full limit, 1.5% of it plus one month’s interest at 60% a year and 16% VAT on that interest, has to fit in what income leaves after other debt payments. | MX$68,493 | 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 Mexico
Banco de México’s credit card rules set no cap on the credit limit. The minimum payment is the larger of 1.5% of the balance plus period interest and VAT on that interest, or 1.25% of the limit. For a fully drawn card, the calculator checks whether 1.5% of the limit plus one month’s interest at the card rate and 16% VAT on that interest fits income left after other debt payments.
The credit card limit is the lowest of the behaviour limit, the affordability limit, your own income cap and the Mexico rule calculation. Which one sets the limit changes by person. Use the result to review an applicant or cardholder and edit the example behaviour policy.
Mexico credit card limit questions
How is a credit card limit set in Mexico?
The calculator compares the behaviour limit, affordability limit, your own income cap and the Mexico rule calculation. The lowest candidate sets the credit card limit.
What is the Banxico minimum payment rule for credit cards?
Banco de México’s rules set the minimum payment as the larger of 1.5% of the balance plus period interest and VAT on that interest, or 1.25% of the limit. For a fully drawn card, the calculator uses the first calculation to check what income can support.
Is there a maximum credit card limit in Mexico?
Mexico’s rules set no cap on the credit limit. The calculator models the minimum payment on a fully drawn limit against income left after other debt payments.
How is a credit limit based on income in Mexico?
The calculator checks whether income left after other debt payments can cover the minimum payment on a fully drawn limit. That repayment test gives one candidate alongside the behaviour limit, affordability limit and your own income cap.
What affects a credit limit increase in Mexico?
In the example behaviour policy, high utilisation with enough statements paid in full can support a large increase. The policy is editable, and the final limit is still the lowest candidate.