Philippines credit card limit calculator
Enter one applicant or cardholder to see the credit card limit in the Philippines. The result is the lowest of what card behaviour allows, what income carries after other debts and what the rules allow, with the rule that binds named.
Credit limit
The limit is ₱180,000, set by behaviour limit. Behaviour gives ₱180,000, income carries ₱340,000, and the market’s rules allow no cap, 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 issuer sets it from the cardholder’s credit standing and financial capacity, which the affordability limit stands for here. | Yes | |
| Interest on the unpaid balance may not exceed 3% a month. | Yes | |
| The cardholder is told of a limit change and may decline an increase. | 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 Philippines card limits are set
The Philippine Credit Card Industry Regulation Law says an issuer sets the limit from the cardholder’s credit standing and financial capacity. The page places that rule beside the affordability limit and shows the cap on interest on an unpaid balance.
The credit card limit is the lowest of the candidates, and the one that binds changes from person to person. Use the result to review one applicant or cardholder and edit the example behaviour policy.
Philippines credit card limit questions
How is a credit card limit determined in the Philippines?
An issuer sets the limit from the cardholder’s credit standing and financial capacity under the Philippine Credit Card Industry Regulation Law. The calculator compares the behaviour limit, affordability limit, lender’s own income cap and Philippines rules, then shows which one sets the result.
Does the Philippines set a credit card limit cap?
The Philippines sets no cap or income multiple for the credit card limit. The issuer sets it from the cardholder’s credit standing and financial capacity.
How does income affect a credit card limit in the Philippines?
Monthly income and other debt payments determine what the affordability limit can carry. The Philippines sets no income multiple or limit cap, so the calculator also compares card behaviour, the lender’s own income cap and the applicable rules.
What is the BSP credit card interest cap?
BSP Circular 1165 caps monthly interest on an unpaid balance. The Philippines has no cap on the credit limit.
Can a cardholder decline a credit limit increase in the Philippines?
The issuer may change a limit under its risk policy after telling the cardholder. The cardholder may decline an increase.