To help you control how you use your card, you can request to decrease your credit card limit at any time by contacting our Member Service team, emailing mail@unitybank.com.au or completing an online form.
To decrease your limit:
- your credit card cannot be blocked;
- you must not have an outstanding balance more than the new lower limit on your card;
- when selecting your preferred new credit limit, it can be equal to, but must not be less than, the minimum credit limit applicable to your credit card product.
Please note decreasing you card limit means you will have a permanently lower limit. You would need to apply for a credit limit increase in order to increase that limit again at a later date.
To get a credit limit increase you will need to reapply and provide information and supporting documentation on current employment, income, assets, liabilities and expenses. We will then verify the information and assess your request.