Québec credit card limit calculator
Enter one applicant or cardholder. The limit in Québec is the lowest of what card behaviour allows, what income carries after other debt payments, the lender’s own income cap and the Québec rule figure, and the page names which one sets it.
Credit limit
The limit is CA$16,000, set by rules in Québec (OPC). Behaviour gives CA$18,000, income carries CA$26,667, and the market’s rules allow CA$16,000, 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. The minimum monthly payment is 5% of the balance, and that payment on the full limit has to fit in what income leaves after other debt payments. | CA$16,000 | Yes |
| The issuer assesses the capacity to repay before issuing the card and before each limit 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.
Credit card limits in Québec
In Québec, section 103.2 of the Consumer Protection Act requires an issuer to assess capacity to repay before issuing a card or raising its limit. Section 126.1 sets the minimum monthly payment at 5% of the balance. The calculator shows the limit whose 5% payment on the full limit fits income left after other debt payments.
The result is the lowest of the behaviour limit, affordability limit, the lender’s own income cap and the Québec rule figure. Which one sets the limit changes by person. Use it to review one applicant or cardholder and edit the example behaviour policy.
Québec credit card limit questions
How is a credit card limit set in Québec?
The issuer assesses the person’s capacity to repay before issuing the card and before each limit increase. The tool models the Québec rule as a limit whose minimum payment on the full limit fits income after other debt payments.
What does Québec’s 5% minimum payment mean for a card limit?
Section 126.1 sets the minimum monthly payment at 5% of the balance on every card. The tool applies that payment rate to the full proposed limit and compares it with income left after other debt payments.
Does Québec cap credit card limits?
Québec sets no cap on the credit limit. The tool shows the limit whose 5% payment on a fully drawn card fits income after other debt payments, alongside the other candidate limits.
When must a Québec issuer assess capacity to repay?
Section 103.2 requires the issuer to assess the person’s capacity to repay before issuing a card and before raising its limit. The tool shows the Québec rule figure beside the affordability limit.
How are credit limit increases handled in Québec?
Before each limit increase, the issuer must assess the person’s capacity to repay. The Québec rule does not set a cap, so the tool models it through the payment the income can carry after other debt payments.