Credit card limit calculator for Switzerland
Enter one applicant or cardholder to see a credit card limit for Switzerland. The result is the lowest of what card behaviour allows, what income carries after other debts and what the rules allow, with the factor that sets it named.
Credit limit
The limit is CHF 8,000, set by behaviour limit. Behaviour gives CHF 8,000, income carries CHF 26,000, and the market’s rules allow no cap, which reflects an income cap in some markets and a repayment test in others.
One missed payment in the last 12 months holds the limit.
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 limit is set when the contract is made from a summary check of the applicant’s stated income and assets and the credits reported to the information centre. The affordability limit stands for that check here. | Yes | |
| The check is done again when the lender learns that the cardholder’s finances have worsened, such as after a missed payment. | 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 credit card limits are set in Switzerland
Under the Consumer Credit Act (LCC/KKG), article 30, the lender checks the applicant’s stated income and assets and credits reported to the information centre when the contract is made. Switzerland sets no cap on the limit, so the tool uses the affordability limit as the figure for this check.
The credit limit is the lowest of the behaviour limit, affordability limit and the lender’s own income cap, with the Swiss rule shown alongside. Which limit sets the result varies by person, so use it to review an applicant or cardholder and edit the example behaviour policy.
Credit card limits in Switzerland
How is a credit card limit calculated in Switzerland?
The tool compares the behaviour limit, affordability limit and the lender’s own income cap. The Swiss rule sets no cap, and the affordability limit stands for its check.
What does KKG Article 30 require for a Swiss credit card limit?
The lender checks the applicant’s stated income and assets and credits reported to the information centre when the contract is made. The check is repeated when the lender learns that the cardholder’s finances have worsened.
Does Switzerland set a cap on credit card limits?
No, the Swiss rule sets no cap on the limit. The tool uses the affordability limit as the figure for the check.
When is the Swiss creditworthiness check repeated?
The lender repeats the check when it learns that the cardholder’s finances have worsened. The tool marks the rule after a missed payment.
How does the IKO credit check affect a card limit?
Credits reported to the information centre are part of the summary check when the contract is made. The Swiss rule sets no cap, so the tool uses the affordability limit for the check.