Why is the credit limit offered by the Bank so low? What happens if I accept it? Can I say no?

If your application was a ‘Document Waiver Feature’ (DWF) application (a document-less application), the limit approved for you could be lower than anticipated as the approval is based on your existing financial data from credit reference agencies and internal bank data.
In the event you would like a higher limit, it is highly encouraged to submit your income documents.
If you accept the DWF-approved limit, your FlexiCredit limit will be immediately activated, allowing you to access funds up to the approved limit.
However, post activation, there will be no immediate avenue to request a limit review.
If you wish to decline the credit limit offered through DWF, you have two options:
- To pursue a potentially higher credit limit, you must select the "I want a higher limit"option. This action mandates the immediate upload of your latest income documents for a complete and comprehensive assessment of your income, which is necessary for a final, higher credit limit determination.
- If you wish to decline the credit limit offer completely, simply just allow the offer to expire after 30 days, no additional action on your end.