Credit Limit Increase Decrease

Cards

Credit Limit Increase Decrease

Enjoy greater financial freedom by increasing or decreasing your credit limit as per your convenience to suit your current requirements.

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Api's Called

Cards

Manage Credit Limit

Customers can easily manage their credit limit by increasing or decreasing it to suit to their current requirements and financial status.

Secure identification

Customers can log in to Citi securely with their Citi user ID and password. Refer to the below API callout for information on retrieving the authorization code.

API(s) Callout

View Api Callout 1 >

Customer consent

Customers provide their consent to Citi to share data with third parties that they trust by clicking on ‘Authorize’. After successful authorization, an access token is issued to the partner.

Validate the one-time password sent to the registered mobile number

Customers validate the one-time password sent to their registered mobile number. In three-legged auth flow, one-time password validation is based on a fraud and risk recommendation, but it is not mandatory.

API(s) Callout

View Api Callout 1 >

Select the card for credit limit increase

Customers can select the card for which they wish to increase their credit limit and proceed to the next step.

Please refer to the below API callout for retrieving customer's card details.

API(s) Callout

View Api Callout 1 >

Increase credit limit temporarily

Customers can increase their credit limit for the selected card temporarily. They specify their preferred credit limit, reason and the effective date range. By clicking on 'Continue' a popup appears showing the current credit limit and the preferred credit limit.

Review and confirm the change in credit limit (Temporary Scenario)

Customers can review the current credit limit and the preferred cedit limit. By clicking on 'Agree' they confirm to update the credit limit. Refer to the below API callout for increasing the credit limit.

API(s) Callout

View Api Callout 1 >

Credit limit increase confirmation (Temporary Scenario)

Customers receive a confirmation message for their credit limit increase along with a reference number of their request.

Increase credit limit permanently

Customers can increase their credit limit for the selected card permanently. Once they specify their preferred credit limit and click on Continue, a popup appears showing the current credit limit and the preferred credit limit.

Review and confirm the increase in credit limit (Permanent Scenario)

Customers can review the current and the preferred cedit limit. By clicking on 'Agree' they confirm to update the credit limit.  Refer to the below API callout for increasing the credit limit.

API(s) Callout

View Api Callout 1 >

Credit limit increase confirmation (Permanent Scenario)

Customers receive a confirmation message for their credit limit increase along with a reference number of their request.

Select the card for credit limit decrease

Customers can select the card for which they either wish to decrease their credit limit and proceed to the next step.

Please refer to the below API callout for retrieving customer's card details.

API(s) Callout

View Api Callout 1 >

Decrease Credit Limit (Preferred credit limit more than the current outstanding amount)

Customers can decrease the credit limit for the selected card by specifying their preferred credit limit.

Scenario1 - The preferred credit limit is more than the current outstanding amount.

Scenario2 - The preferred credit limit is less than the current outstanding amount.

Please note: This step covers scenario1.

By clicking on 'Continue' a popup appears showing the current credit limit and the preferred credit limit.

Review and confirm the change in credit limit (Decrease Scenario)

Customers can review the current and the preferred cedit limit. By clicking on 'Agree' they confirm to update the credit limit.

API(s) Callout

View Api Callout 1 >

Credit limit decrease confirmation

Customers receive a confirmation message for their credit limit decrease along with a reference number of their request.

Decrease Credit Limit (Preferred credit limit less than the current outstanding amount)

Customers can decrease the credit limit for the selected card by specifying their preferred credit limit.

Scenario1 - The preferred credit limit is more than the current outstanding amount.

Scenario2 - The preferred credit limit is less than the current outstanding amount.

Please note: This step covers scenario2.

By clicking on 'Continue' a popup appears showing the current credit limit and the preferred credit limit.

Review and confirm the change in credit limit

Customers can review the current and the preferred cedit limit. By clicking on 'Agree' they confirm to update the credit limit.

API(s) Callout

View Api Callout 1 >

Customer Declaration

Customers need to agree to certain rules and regulations before proceeding with their credit limit decrease request. After confirming all the rules and regulations, they click on 'Submit' to submit their request for credit limit decrease.

API(s) Callout

View Api Callout 1 >

Credit limit decrease confirmation

Customers receive a confirmation message for their credit limit decrease along with a reference number of their request.