Do you know how to increase your ADCB credit card limit? And why it’s essential to maintain a good credit score? We’ve got you covered! Increasing your credit limit on your ADCB credit card can offer you more financial flexibility and potentially improve your credit score. Not only will this guide provide you with actionable steps to request a higher limit, but it will also delve into the importance of a good credit score and how it relates to your credit limit.

How to Increase Your ADCB Credit Card Limit?

Yes, you can increase your ADCB credit card limit. By following a series of strategic steps, you can enhance your chances of approval for a higher credit limit.

Ready to boost your credit limit? Follow these detailed steps to enhance your chances of approval:

  1. Maintain a Stellar Credit Score: A high credit score is a green flag for lenders, indicating responsible credit management.
  2. On-time Bill Payments: Show ADCB your reliability by never missing a payment deadline. Consider setting up automatic payments as a fail-safe.
  3. Minimize Existing Debt: Lowering your debt-to-income ratio by paying off existing balances showcases your financial stability.
  4. Boost Your Income: A higher income can sway the bank’s decision in your favor. Keep documentation of any salary raises or additional income sources handy.
  5. Utilize Your Card Regularly: Frequent, responsible card use within your current limit demonstrates to ADCB your capability to handle more credit.
  6. Formally Request an Increase: If you’ve adhered to the above steps, reach out to ADCB via customer service or their online banking portal to request a higher limit. Be prepared with any required documentation.
  7. Monitor Your Spending: Keep your spending in check. Responsible spending habits are key to managing a higher credit limit effectively.
  8. Patience and Persistence: Increasing your credit limit is a process that may require time. Stay diligent with your credit habits and periodically inquire about increasing your limit.

Importance of a Good Credit Score

A robust credit score is your ticket to financial flexibility, acting as a testament to your creditworthiness. Here’s how you can maintain it:

  • Timely Payments: Consistently paying your bills on time is crucial. Late payments can tarnish your credit score, signaling potential risk to lenders.
  • Low Credit Utilization: Aim to use less than 30% of your available credit. This demonstrates that you can manage your credit wisely without maxing out your resources.
  • Regular Credit Report Checks: Keep an eye on your credit report. This allows you to spot and rectify any inaccuracies that might drag down your score.


1. What are the eligibility criteria for increasing my ADCB credit card limit?

ADCB considers factors like your credit history, income, repayment behavior, and current credit utilization.

2. How often can I request a credit limit increase?

It’s advisable to wait at least six months between requests to show responsible credit usage.

3. Will requesting a credit limit increase affect my credit score?

A hard inquiry might temporarily impact your score, but a higher limit managed well can positively affect your credit utilization ratio and score over time.


Increasing your ADCB credit card limit is a strategic process that requires a combination of good financial habits and proactive communication with your bank. By following the steps outlined in this guide, you can enhance your chances of securing a higher credit limit, thereby gaining more financial flexibility and potentially improving your credit score. Remember, patience and persistence are key in this journey.


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