Sunday, November 25, 2018

BPI Express Credit Card: How to Increase You Credit Card Limit

There are three ways to increase your credit card limit: 

1. Via Online Banking: For registered Online Banking users, Log in to your account, click Other Services > Credit Card Services > Increase in Credit Limit.  


1. Must be a principal cardholder for a year and must not have requested for an increase of credit card limit in the last six (6) months. 
2. Request is subject for evaluation/approval. 
3. For credit card acquired through Express Start program, credit card limit request should be done in your branch of account. 
4. If approved (Php 100,000 and above), the credit card will be be upgraded to Gold MasterCard.
5. Fill up the information: 

6. Fax the requirements to 845-5738 with routing code 20611



For employed individuals: ITR or Certificate of Employment and Latest 2 payslips
For self-employed individuals: ITR or Audited Financial Statement
For professionals: ITR


You must indicate your complete name and confirmation number on the documents you will be sending through fax.
Request will be cancelled if requirements are not received within 3 banking days. 

2. Via Phone Banking:

  • 1-800-188-89100 for domestic toll-free calls (available to PLDT subscribers)
  • +63 + 2 + 89-10000 for mobile phone users

3. Maintaining good credit standing: 

Luckily, I was able to increase my credit limit with no hassle by maintaining a good credit standing.  It took me 1 year and six months for them to increase my credit limit. This is very helpful, esp. when it comes to purchasing big ticket items,as I don't need to split my payment. Though, I make it into a point to always pay EVERYTHING at the end of the month. 


  1. I never knew I could literally apply to have my credit limit increased. I thought it was all just the bank's discretion without any action from the card holder. Thanks for this!

  2. Weirdly enough, I got a credit card from my bank. The customer relations officer even asked me if I wanted to have the credit limit increased to 100k, just tell her raw. But I didn't know you can do that online. But haven't really used it. But I might for when I travel outside the country.

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