Managing my credit limit

What credit limit can I apply for?

You can apply for a credit limit between $1,500 and $15,000.

You'll have to provide us with information about your income and your regular monthly expenses, so we can reassess your current financial position.

Call us on 0800 801 808 to apply for a credit limit increase over the phone.

How do I increase my credit limit?

You can apply to have your credit card limit increased if:

- the main cardholder requests the increase,
- we believe they can afford it
- the increase meets our normal lending criteria, and
- the Main Cardholder has made at lease 6 consecutive payments of more than the Minimum Amount Due.

You'll have to provide us with information about your income and your regular monthly expenses, so we can reassess your current financial position.

How to apply:
Call us on 0800 801 808 or +64 9 212 5234.

How do I activate my credit card?

Activate your credit card by logging into Warehouse Money Connect and loading a Personal Identification Number (PIN) on your card. 

Alternatively, you can activate your credit card and set up your PIN by calling our Customer Experience Team on 0800 801 808.

Note, Additional Cardholders will need to activate their cards by calling us on 0800 801 808.

Can I request a credit limit of more than $15,000 when I apply for a credit card?

When you apply for a new credit card, the maximum credit limit we can offer you is $15,000. If you'd like a credit limit of more than $15,000, apply by calling us on 0800 801 808 and we'll access your application then. As a responsible lender we need to make sure that by having one of our credit cards you're not taking on debt that you may not be able to repay. 

However, you can request to have your credit limit increased for more than $15,000 if:
- the main cardholder requests the increase,
- we believe they can afford it
- the increase meets our normal lending criteria, and 
- the Main Cardholder has made at lease 6 consecutive payments of more than the Minimum Amount Due. 

You'll have to provide us with information about your income and your regular monthly expenses, so we can reassess your current financial position. 

How to apply:
Call us on 0800 801 808 or +64 9 212 5234.

Why have I been approved for a credit limit which is less than what I asked for?

We may approve you for a credit limit which is lower than what you asked for. 
When you apply for a new credit card, we use an approval process based on how much you earn and what your regular expenses are. That way we can make sure that by having our credit card, you are not taking on too much debt that you may find hard to repay.

How do I decrease my credit limit?

You can request a decrease on your credit limit by calling us on 0800 801 808. 

Please note, the minimum credit limit on the Warehouse Money Visa Card is $1,500.