Credit card limit calculator for Morocco
Enter an applicant or cardholder to see the credit limit in Morocco. The lowest of what card behaviour allows, what income carries after other debts and what the rules allow sets the limit, and the tool names which one binds.
Credit limit
The limit is MAD 30,000, set by behaviour limit. Behaviour gives MAD 30,000, income carries MAD 60,000, and the market’s rules allow no cap, which reflects an income cap in some markets and a repayment test in others.
A new applicant starts at the starting multiple of monthly income.
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 |
|---|---|---|
| No cap on the limit was found. A revolving credit runs for one year and is renewable. The affordability limit stands for the issuer’s own assessment here. | 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 Morocco
No cap on the credit card limit was found in Bank Al-Maghrib’s texts. The tool shows the affordability limit for the issuer’s assessment beside the Morocco rule.
The lowest applicable behaviour, affordability, lender income-cap and market-rule figure sets the limit. The decision table shows which candidate binds, and the result helps you review an applicant or cardholder and edit the example behaviour policy.
Morocco credit limit questions
How is a credit card limit set in Morocco?
The tool compares the example behaviour limit with what income can carry after other debt payments. No limit cap was found in Bank Al-Maghrib’s texts, so the affordability limit stands for the market assessment.
Does Morocco set a cap on credit card limits?
No cap on the credit card limit was found in Bank Al-Maghrib’s texts. The tool shows the affordability limit for the issuer’s assessment.
What does Morocco’s revolving credit rule say about card limits?
Morocco’s consumer protection law says revolving credit is renewable. No limit cap was found, so the tool shows the affordability limit for the issuer’s assessment.
How does the Morocco calculator use the affordability limit?
The affordability limit reflects what income can carry after other debt payments, with the card treated as fully drawn. It stands for the market assessment because no limit cap was found in Bank Al-Maghrib’s texts.
What sets the limit for a new cardholder in Morocco?
A new applicant starts at the example policy’s starting multiple of monthly income. The lowest applicable figure sets the limit, and the tool names which one binds.