Besides the banking app, what other ways are there to check my credit card limit?
Reader Da Nguyen (Quang Ninh) asks: “I want to check my credit card limit, but I can’t use the mobile banking app right now. Is there any other way to check my credit card limit besides Mobile Banking?”
Answer:
Banking Times would like to thank you for your question. Here is our advice:
Yes. Mobile Banking is one of the most convenient ways to check your credit card limit, but it’s not the only one. Depending on the card-issuing bank, customers can check this information through several other channels.
Call the bank’s hotline
This is a fairly convenient option if you cannot access Mobile Banking. You can call the official hotline of the card-issuing bank and request to check your credit limit.
To ensure information security, the bank will perform identity verification steps before providing card information. Customers should find the hotline number on the bank’s website, official app, or the back of the card, and avoid calling numbers sent through unverified sources.
Check via Internet Banking
If the bank offers this service, you can log in to Internet Banking on the official website, go to the card management section, and select the credit card you want to check. Here, customers can typically view relevant information such as the credit limit, available credit, and outstanding balance.
When using this method, make sure to verify the bank’s correct website address; do not log in to your account via unfamiliar links sent via text message, email, or social media.
Visit the Bank in Person
If it’s not convenient to use online channels, you can visit a branch or service center of the bank that issued your card and bring your ID for assistance.
Some banks also allow customers to check card information via SMS Banking or ATMs. However, features and procedures may vary by bank, so you should review the instructions provided by your card-issuing bank before using these services.
Distinguishing Between “Credit Limit” and “Available Credit Limit”
When checking your card, there are two figures that users often confuse.
The credit limit is the maximum amount of credit the bank has granted to the card. Meanwhile, the available balance is the portion of the credit limit that you can still use at the time of checking, after accounting for past expenditures and related transactions.
For example, if your card has a credit limit of VND 50 million and you’ve already spent VND 15 million, the amount you can still spend will generally be lower than the original limit of VND 50 million, depending on the status of your transactions and payments.
Therefore, if you want to know how much you can still spend with your card, you should check your available credit limit rather than just looking at the credit limit issued by the bank.
In summary, in addition to Mobile Banking, you can call the hotline, use Internet Banking, or visit the bank in person to check your credit card limit. Some banks also offer support through ATMs, SMS Banking, or other channels. When checking your limit, be sure to use the bank’s official channels and never share your password, PIN, or OTP with anyone else.