Credit limit – how to change your credit card limit yourself, free of charge

When you have a credit card limit that meets your needs, you always get the most out of your card. For OP’s credit cards, you can select a credit limit ranging from 2,000 to 20,000 euros, depending on the card and your needs and financial circumstances.

You can increase the credit limit easily and free of charge in the op.fi service or on OP-mobile. A credit limit increase doesn’t increase the price of your card.

Increase your credit card limit

What credit limit is right for you?

When choosing a credit limit, think about what kinds of large or sudden expenses could come up if a household appliance breaks down, for example. A simple rule of thumb for a suitable credit card limit is that you can pay your expenses for two months using your card’s credit facility.

By having a credit card with a sufficiently high credit limit, you are prepared against unexpected situations and always have enough spending money in spare.

Visa – increasing your credit limit

For OP-Visa, OP-Visa Gold and OP-Visa Platinum payment cards with credit facility, you can apply for a credit limit between 2,000 and 20,000 euros, depending on your needs and financial circumstances.

Increase your Visa credit limit

Mastercard – increasing your credit limit

OP-Mastercard and K-Plussa Mastercard are an excellent choice as a second card to complement your daily payment card for any unexpected situations and larger purchases.

You can apply for a credit limit between 2,000 and 6,000 euros for an OP-Mastercard.

Increase your OP-Mastercard credit limit

For a K-Plussa Mastercard, you can have a credit limit between 2,000 and 4,000 euros. You can increase the credit limit of your K-Plussa Mastercard on the K-Plussa website (available in Finnish).

Increase your K-Plussa Mastercard credit limit

Increase your credit limit easily yourself, either online or on OP-mobile

You can apply for a higher credit limit if you receive regular income in terms of pay or pension, you have sufficient income to cover your expenses and have managed your personal finances well.

A credit limit increase is free of charge and it doesn’t increase the price of your card.

To apply for a higher credit limit in the op.fi service or on OP-mobile, select the credit card in question and then select Increase credit limit (Korota luottorajaa).

  1. In the form that opens, answer the questions about your current financial situation. Prepare to provide information on, for example, your gross income and current debt-servicing costs.
  2. Select a new credit limit and a monthly payment that suits your needs.
  3. Check the summary and send the application.
  4. You will receive a credit decision on the new credit limit in just a few minutes. 
  5. Finally, please confirm the increased credit limit.

We use your customer information and personal credit information when granting credit. We get the credit information from the credit data file of Suomen Asiakastieto Oy.

Increase your credit limit

When considering a credit limit, read our answers to the following questions:

How high a credit limit is suitable for me?

With a credit card, you can ensure that you have available funds for unexpected situations, such as a household appliance breaking down. A sufficiently high credit limit brings flexibility to your daily life when you need it. If you are often close to your credit card limit, you should consider a higher limit to increase flexibility in your daily finances.

Roughly speaking, your credit limit should cover your expenses for approximately two months. It’s a good idea to use an OP credit card for daily purchases because it provides you with an interest-free billing period of up to 35 days and Product Protection Insurance for your purchases. Read more about Product Protection Insurance

You can use your credit card whenever you need to and repay your debt in monthly payments that suit you. However, you must pay at least the minimum monthly payment.

If you find it challenging to cover your regular expenses with your income, increasing your credit limit is not always the best or only alternative. Read more about the alternatives to add flexibility to your daily finances

What credit limit will I get?

Factors that affect the credit limit granted to you include your income, your existing debts and your financial balance. If your current income covers your expenses well and you have a good credit history, you can apply for a higher credit limit. Based on your information, our system will generate a credit decision for you in just a few minutes.

Is a credit limit increase subject to a charge? Does a higher credit limit increase the price of my card?

A credit limit increase is free of charge. A higher credit limit doesn’t affect the price of your card.

You need to pay at least the minimum payment per month for the credit you have used. The minimum payment is determined on the basis of your card’s credit limit.

What happens during the application process?

In the application form, we ask you to provide information on your finances that is relevant for granting credit. Be prepared to enter information on, for example, your current gross income and any debts you may have.

When you apply for a higher credit limit, we will also check your credit history from Suomen Asiakastieto Oy’s credit data file.

What if my credit limit request is too high?

If we cannot grant you the credit limit you have applied for in full, the credit decision you receive will include our proposal for the highest possible credit limit that you can get. If you approve our proposal, it will be activated as the new credit limit for your card.

Increase your credit card limit online

Please note that your credit limit is not the same as your card’s spending/withdrawal limits. You can adjust your spending/withdrawal limits anytime in the op.fi service or on OP-mobile.

Read more about the spending/withdrawal limits for your card