What is the BDO Credit Card Limit and Shared Credit Card Limit?

Use of the Credit Card Limit and Shared Credit Card Limit

In case you are issued two (2) or more BDO Credit Cards, BDO may, at its sole discretion, give a separate Credit Card Limit for each of the card issued or a consolidated Shared Credit Limit (SCCL) for all such cards.

1. What is a Credit Card Limit
   Credit Card Limit refers to the maximum total amount for purchases, cash advances, balance transfers, finance charges, service fees, penalties and other charges which can be charged to your BDO Credit Card/s

To illustrate:

• Card Type	Credit Card Limit	Purchases	Available Limit
  Card 1	P60,000	P30,000	P30,000
  Card 2	P60,000	P10,000	P50,000

  In the above example, after purchase you can only use the available limit of P30,000 for Credit Card 1, and P50,000 for Credit Card 2.
   

2. What is a Shared Credit Card Limit
   Shared Credit Card Limit* is the Credit Card Limit assigned to you across all your BDO Credit Cards.
   * All future BDO Credit Cards will have the same SCCL,  unless required documents for Increase in Credit Limit (ICL) are submitted.

To illustrate:

• Card Type	Shared Credit Card Limit	Purchases	Available Limit
  Card 1	P60,000	P30,000	P20,000
  Card 2		P10,000

  In the above example, Card 1 and Card 2 share a Credit Limit of P60,000. When purchases are made by either card, it reduces the available Credit Limit on both cards.
  In this example, you may use up to P20,000 for either cards. Note that the combined additional purchases for both cards should not exceed the Available Limit of P20,000.
  Note:
  To check if your credit card account is under the Shared Credit Card Limit, your Total Customer Limit should be equal to  your Credit Card Limit (as indicated on your card carrier).
  To Illustrate:
  Credit Card Limit:        P150,000
  Total Customer Limit:  P150,000