How to increase BDO credit card limit

For many Filipinos, a credit card is more than a payment tool—it is financial support in emergencies and a convenient way to manage expenses.

Knowing how to increase BDO credit card limit can help cardholders access greater flexibility, enjoy more rewards, and handle large purchases more efficiently.

BDO, one of the Philippines’ largest banks, offers different ways to request a higher credit limit.

However, approval depends on several factors, including payment history, income, and overall credit standing.

Understanding the process and preparing properly can improve your chances of success.

Why Request a Higher Credit Limit?

Increasing a credit limit is not just about spending more. It also brings several financial benefits when used responsibly.

• Emergency support: Extra funds are available for urgent situations.
• Better credit score: Higher limits, paired with low utilization, improve credit standing.
• Convenient purchases: Large expenses, such as travel or appliances, become manageable.
• Enhanced rewards: More transactions mean more points or cashback benefits.

On the other hand, a higher limit also comes with greater responsibility. Mismanagement could lead to higher debt levels and added financial pressure.

Requirements for Credit Limit Increase

Before making a request, BDO cardholders must prepare certain documents and meet basic conditions. These requirements help the bank evaluate eligibility.

• Good payment history – Regular, on-time payments with no overdue balances.
• Minimum six months of active usage – Frequent card activity shows responsible use.
• Updated proof of income – Recent payslips, income tax return (ITR), or bank statements.
• Valid government-issued ID – For identity verification.

It is worth noting that BDO may offer automatic credit limit increases to cardholders who consistently maintain a strong repayment record.

Step-by-Step: How to Increase BDO Credit Card Limit

There are two main types of credit limit increases at BDO: permanent and temporary. The steps below apply to both, though requirements may differ.

1. Contact BDO Customer Service

Call the BDO Customer Contact Center at (+632) 8631-8000. Inform the representative that you wish to request a credit limit increase.

2. Prepare and Submit Documents

BDO may ask for updated income documents. These can be submitted through email, at a branch, or by fax, depending on the instructions given.

3. Wait for Evaluation

The bank will review your application. Evaluation includes income assessment, payment history, and credit score. This process may take several business days.

4. Receive Approval or Feedback

If approved, BDO will notify you through SMS, email, or a phone call. For declined requests, the bank may suggest reapplying after improving your credit profile.

5. For Temporary Limit Increases

Temporary increases are often granted for travel or special purchases. These usually expire after a set period, reverting to the original credit limit.

Tips for Better Chances of Approval

Applying for a higher credit limit does not guarantee approval. However, following these practices can improve your chances:

• Always pay on time. Late payments reduce credibility.
• Keep utilization low. Using less than 30% of your current limit signals financial stability.
• Update income records. Submit recent documents showing salary increases or new income sources.
• Avoid multiple applications. Requesting too often may signal financial stress.
• Maintain a positive credit history. A good overall record across loans and cards strengthens your profile.

In addition, it helps to build a relationship with the bank by using other BDO services, such as savings accounts or loans.

Where to Request a Credit Limit Increase

BDO provides several official channels for credit limit requests:

• Hotline: (+632) 8631-8000 (Metro Manila)
• Email: [email protected]
• Branches: Submit requests and documents in person.
• Website: www.bdo.com.ph

Responsible Use After an Increase

A higher credit limit should be seen as an opportunity, not an excuse for overspending. Responsible use involves:

• Tracking expenses regularly through the BDO app.
• Paying the full balance whenever possible.
• Avoiding unnecessary purchases simply because the limit increased.

By using the additional credit wisely, cardholders can enjoy financial flexibility without falling into debt traps.

FAQ: Increasing BDO Credit Card Limit

How long does it take for BDO to process a credit limit increase?
It usually takes several business days. The bank may call or email to request additional documents before approving.

Can I request a temporary credit limit increase?
Yes. Temporary increases are available for travel or major purchases. These expire after a specific period.

Will BDO automatically increase my credit limit?
In some cases, yes. Cardholders with excellent payment history may receive automatic increases.

Do I need to submit proof of income every time?
For permanent increases, yes. Updated documents like payslips or ITR are typically required.

What happens if my request is denied?
You may reapply after six months. Meanwhile, focus on improving payment history and reducing debt.