# How You Can Manage Your Credit Card Limits in UAE **Published:** 2023-11-30T11:37:41.963Z **Updated:** 2026-07-30T16:30:29.004Z **Author:** Tanvi Pathak **Original Url:** https://www.paisabazaar.ae/credit-cards/articles/manage-your-credit-card-limits/ High limit credit cards are a key financial goal for many working professionals in the UAE. Having access to high-credit-limit credit cards provides flexibility, improves purchasing power, and can positively influence your credit profile if used responsibly. However, mismanaging credit card limits can negatively impact your credit score and future borrowing ability. To maintain healthy credit behaviour, experts recommend using less than 30% of your credit card limits each month, even when you hold high limit credit cards. ...read more ## Most Popular Credit Card in UAE Salary Range Free for Life ### Cashback Credit Card CashbackAirport Lounge AccessTravel DiscountsDining DiscountsFood Delivery OffersIslamic / Shariah Compliance Minimum Salary:**5,000** Annual Fee:**Free for Life** 5% cashback on two categories below Grocery, Educations, Fuel, International spends, Dining Enjoy complimentary airport lounge access to over 25 lounges worldwide. Cashback ### ULTRACASH Mastercard Touch Card Valet ParkingBalance Transfer Facility0% Installment Plans Minimum Salary:**10,000** Annual Fee:**500** Welcome Offer : Make one retail transaction in the first 30 days of card issuance and receive bonus cashback upon payment of annual fee.AED 500 UAE Nationals and AED 300 Expatriates 10% cashback on Fuel for the first 3 months and 5% thereafter Reward Points ### TouchPoints Visa Infinite Credit Card Airport Lounge AccessMovie DiscountsDining DiscountsGolf BenefitsTravel Insurance CoverageTravel DiscountsFood Delivery OffersBalance Transfer Facility0% Installment PlansSchool Fee Installment PlanInstant Cash Loan Minimum Salary:**25,000** Annual Fee:**1,050** 15,000 Bonus TouchPoints for spends of AED 15,000 VOX Cinemas Buy one get one FREE ## Understanding Credit Card Limits Credit card limits refer to the maximum amount a bank allows you to borrow using your credit card. Whether you are issued standard cards or high credit limit credit cards, the assigned limit depends on several financial and risk factors, including * Your salary * Your debt-to-income ratio * Your credit score and debt repayment history ## Total Credit Limit vs. Available Credit Limit The total credit limit is the maximum amount of credit assigned to you by the bank. When you use any part of your total credit limit, the remaining balance is known as the available credit limit.  For example, if you have a credit card with a total credit limit of AED 10,000 and you use AED 1,000, your available credit limit would be AED 9,000.  While total credit card limits remain fixed unless revised by the bank, available limits fluctuate based on your spending and repayments. Managing this balance is especially important for holders of high credit limit credit cards. ## How Your Credit Card Limit Impacts Your Credit Score? While your credit limit does not directly impact your credit score, your Credit Utilisation Ratio (CUR) does.  Having a high CUR, like 90%+, impacts your credit score negatively as lenders mark a high CUR as risky behaviour. Keeping a CUR of less than 30% and paying your credit card bills on time ensures your credit score is stable and growing over time. ## Ways to Check Your Credit Card Limit You can easily check your credit card limits through: * Mobile banking application * Internet banking portal * Credit card statement * ATMs that support your credit card * Phone banking Monitoring your credit card limits helps you control spending and maintain a healthy CUR ## Tips to Increase Your Credit Card Limit If you aim to qualify for high credit limit credit cards, improving the following areas can help: * Income: If you can show a stable additional income to your bank, it may help you avail of a credit limit increase. * Debt-to-income Ratio: If you have recently repaid existing debt, which has helped you reduce your DTI ratio, it may make you eligible for a higher credit limit. * Credit Score: If you have a high credit score with flawless repayment history, you may be eligible for a higher credit limit. ## Advantages of Higher Credit Card Limits The biggest advantage of high credit limit credit cards is improved credit utilisation. Increasing your credit card limits allows you to spend the same amount while keeping CUR under control. For example, raising your limit can reduce CUR from 40% to under 30%, improving credit score potential. Hence, the real benefit of high limit credit cards lies in better credit health, not just higher spending power. ## How to Manage When You Have a Lower Credit Limit? When you have lower credit card limits, you must still refrain from using more than 30% of your credit limit regularly. This is crucial because your credit score also plays a significant role in determining your credit limit, and having a high CUR can negatively impact your chances of getting approval for a higher credit limit. ## How to Prevent Your Credit Limit From Being Reduced? Banks may reduce credit card limits due to risky behaviour. To avoid this: * Always repay your credit card bill on time (preferably in full) * Keep your credit utilisation low (under 30%) * Try not to max out your credit cards  * Be mindful of applying for new credit instruments * Do not close old credit card accounts These practices are essential, even for users of high credit limit credit cards. ## Common Reasons Why Your Credit Limit May Change Your credit limit may change due to any of the following reasons. * Maxing Out Credit Card: If you are maxing out your credit cards regularly, your banks may consider a credit limit reduction. * Poor Repayment: If you are not repaying your credit card bill in full regularly, it may lead to a credit limit reduction. * Debt-to-Income Ratio: If your DTI ratio is close to 50%, the bank may reduce your credit limit. * Credit Score: If your credit score has unexpectedly decreased, it may reduce your credit limit. * Income: If your income has reduced, it may prompt a reduction of your credit limit. Maintaining stable financial habits helps preserve high credit limit credit cards. ## FAQs ### Q1: Is it okay to utilise my full credit limit? **Ans:** Yes, but using the full credit card limits, even on high limit credit cards, increases credit risk and may reduce your credit score. ### Q2: How to use a credit card limit wisely? **Ans:** You should follow these simple rules. Always pay your credit card bills on time, preferably in full. Use less than 30% of your credit limit. And make sure your debt-to-income ratio is low. ### Q3: Why was my credit card limit reduced in the UAE? **Ans:** Common reasons include poor repayment history, income reduction, high CUR, and credit score decline. 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