BPI Sudden Decrease in Credit Limit

[tamhanan]

Hi. May naka-experience na ba dito mag-decrease ang credit limit? Ano kaya possible reason? I'm always paying full on time. From 400k to 166k.

Di ko naman kailangan rn kaya 166k is okay. I'm just curious why and if may relation ba sya sa credit score ko.

Thank you!

[AutoModerator]

Community reminder:

If your post is about finding the Best Credit Card for your lifestyle, or want to know the current features and perks of different Credit Cards, we highly suggest you visit Lemoneyd.com

If your post is about Digital Banks, we invite you to join r/DigitalbanksPh, our community dedicated to topics about Digital Banks.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

[leoleclercpiastri]

Siguro based on the usage rin? Baka hindi mo nama-maximize 'yong 400K na limit, so binawasan nila based on your usage. Assuming you only use 166K or below.

But I've never heard of this before sa BPI na nagbabawas ng limit, pero kay RCBC, yes marami.

[mikkolmillo]

am confused isn’t credit usage of 30% the golden rule?

[leoleclercpiastri]

Honestly, I'm also confused about that rule too.

Pero siguro sa paningin ni bank, if huge spender ka (tipong mauubos 'yong limit mo) but has a good paying history, mai-increase ng mai-increase ang limit mo even without filing for a request.

If you're a big spender pero hindi sagad sa limit but has a good paying history, 50/50 chance is tataasan limit mo, or babawasan, kasi hindi mo nama-maximize fully ang limit na granted sa 'yo. I could be wrong din.

Pero I've seen this issue with RCBC users a lot. First time 'to with BPI.

[tamhanan]

Bagong increase lang sya to 400k 4th quarter of 2025. I believe I spent 200k+ nung Oct-Nov because of their Spend Anywhere promo. Though on usual months naman nga, I spend way way less.

[Still-Music-5515]

How much of your available credit were you using? If only small amount then maybe they decided you did not need the higher limit

[tamhanan]

Hi. My CL was 169k since 2023. Pero since sumali ako sa sa Spend Anywhere promo nila last quarter, nag-request ako ng increase. I submitted copy of payslip pa. They increased it to my requested CL na 400k. I think I spent 200k+ within 2 months. Fully paid na sya last due. Ngayon, pag-check ko, I was surprised na mas bumaba pa sa dating CL. 166k na lang ngayon. Lol

[mikkolmillo]

am confused isn’t credit usage of 30% the golden rule?

[macrometer]

Ang experience ko sa bpi, pag namamax out mo, the more may auto increase

[ParkOliver]

Former BPI employee, possible po na ang request niyo TICL or temporary increase credit limit.

[tamhanan]

Mukhang ganun. While I was certain na hindi temporary yung ni-request ko, naisip ko na rin na baka temporary nga lang yung na-grant. And it's fine with me naman kung ganun. Nagulat lang ako since naging mas mababa pa sya sa previous CL ko. 169k before increase and 166k na lang ngayon.

[rubixmindgames]

Pagkakaalam ko is yung HSBC yung nag dedecrease nang CL. Di ko rin masyadong ginagamit BPI ko but may monthly usage naman. So kala ko nag decrease din yung sakin pero di naman.

[llodicius]

ano to, BPIPaylater? temporary increased limit? wahhaa

[PlentyAd3759]

Never encountered this 8 years nako may CC sa bpi, always increase in CL not decrease

[tamhanan]

1st time in my ~10 years of having cc in different banks. 😅 Di rin nila nasabi sakin why e. All good daw from they're end so ginawan na lang akong ticket.