You are eligible to apply for a credit limit increase on your Citi Lending account 6 months after you have activated and start using your account.
This means if you hold a Citi Personal Loan Plus, Ready Credit, Personal Credit or a Business Credit account you can request a credit limit increase.
The amount of your increase will be added to your existing credit limit and you a free to reuse it anytime you choose for anything you like.
There's two ways to apply
We send you an invitation
We understand your financial needs change over time and we aim to assist you with having credit available when you need it, therefore from time to time we may send you an invitation to apply for a credit limit increase which you can accept if the time is right for you can respond and apply to receive a credit limit increase, if the time is right for you.
To receive a credit limit increase invitation or any other promotional offers we need to know how you want to hear from us, whether it be via mail, phone, email or SMS.
You can update your contact preferences anytime you like by simply signing into your account.
You can contact us
If you don’t want to wait for an invitation and would like to request a credit limit increase,
call us on 1300 883 9301300 883 930.
No processing fees
There are no processing fees when you apply for a credit limit increase however, it's important to note for every $1,000 of additional credit, an additional minimum repayment of $30 is required.
What we need to know
First we will need to know how much you would like to increase your credit limit by, once we know this our credit assessment policy requires us to verify your current income and your employment status2.
This verification process is to ensure we have your most up to date information and helps us assess if the credit limit increase you're applying for is suitable to your current situation.
How to apply
When we send you an invitation you will be given easy instructions on how to accept your invitation.
To contact us to apply for a credit limit increase, simply call with 1300 883 9301300 883 930.
Your Citi lending account is flexible and you can reuse it in many ways as your financial needs change. Below are some ways you can keep using your account.
Your credit limit increase will be subject to a credit assessment. Once your additional credit limit request is approved, we'll get back to you within 7 to 10 working days to confirm your new credit limit. © 2019 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.