Decrease my credit card limit

To decrease your ANZ Credit Card limit:

  • Go to the "View Accounts" landing page.
  • This is the first page you see when you log on to ANZ Internet Banking.
  • Select your credit card account by clicking on the account name.
  • Click on the "Decrease credit card limit" link at the top of the page and follow the steps below.
Before requesting a credit limit change
  • To decrease your credit limit you must be the primary credit card holder.
  • Please note that you can only decrease your credit limit this way. To increase your limit please contact the ANZ Internet Banking team on 0800 368 524 (International callers: +64 4 473 0370) 24 hours a day, seven days a week.
Step 1 - Select your credit card account
  • Select the credit card, for which you'd like to decrease the limit, using the "Account" drop down list.
  • Click "Continue".
Step 2 - Enter your personal details
  • Fill in your personal details including title, name, date of birth, phone number and address.

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Step 3 - Enter your new limit
  • Decrease limit to $: enter the new credit limit you would like.
    • For example, five hundred dollars would be "500".
    • It must be rounded up to the nearest $500 (ie. you can only request $1000 or $1500 limit, not $1400).
  • Click "Submit" to send your request to the next stage.

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Step 4 - Review your information

Review all your information to ensure it is complete and correct.

  • If you notice mistakes select "Back" and repeat steps 1-4 again.
  • If you are happy with the information click "Confirm" to complete the request.

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Step 5 - View your lodgement receipt
  • Your lodgement receipt is displayed to confirm that your request has been submitted successfully.
  • This does not mean the request will be processed successfully.
  • Your application will be assessed within two bank business days and you will be notified of the result by SecureMail.

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Need more help?

Use our faqs it find out more about decreasing your credit card limit.

What can I do to decrease my credit card limit?

To decrease your credit card limit all you need to do is complete the details on this page.

  • You will receive a lodgement receipt after you submit your request.
  • You can only use this form to request a decrease to your current credit card limit.
  • You cannot use this form to request an increase to your credit card limit.
  • The desired credit card limit that you enter must be less than your current credit card limit but greater than your closing balance.

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Can an additional card holder request a credit card limit change?

No. To request a change to your credit limit, you must be a primary credit card holder.

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Can I request a credit limit decrease on my business credit card?

No. This service is available for personal credit cards only.

  • You need to visit your ANZ branch to request a decrease of your credit limit for a business credit card.

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How can I increase my credit card limit?
  • Please contact the ANZ Cards team on 0800 658 044 (International customers:+64 9 522 3010) to apply for an increase on your current credit card limit.

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Need more help?

For further assistance please call the ANZ Internet Banking team on 0800 368 524 (International callers: +64 4 473 0370) 24 hours a day, seven days a week.

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