Spending limit
Your spending limit is the amount on your credit card which you are able to access every month. This limit is specified by us after the credit assessment. After that, you can adjust your credit card limit at any time using the Swisscard app.
Adjusting your credit card limit
If you have activated the "installment facility" card feature, you can adjust your credit card limit in two ways:
FAQ spending limit
You can find the spending limit for your credit card on the last credit card statement in the top left corner. Or in the Swisscard app under "Card account details". This limit applies in total to all principal and additional cards for the corresponding card account.
A shared spending limit applies to all principal and additional cards.
The spending limit for your credit cards is set for you individually on the basis of the credit assessment and states the financial framework in which you are able to use your credit cards.
If the "installment facility" card feature is activated on your card, you can adjust your credit card limit directly in the Swisscard app. Alternatively, you can also request a limit increase in writing using the appropriate form. If you have not activated the "installment facility" card feature and don’t want to activate it, please call our customer service if you want a limit increase. Swisscard AECS GmbH must comply with various regulatory requirements. Therefore, if the total spending limit of all your credit cards exceeds 25,000 Swiss francs, we require a certified copy of your ID documents.