Decreasing your credit limit could help you manage your credit.

If you have 1 BOC Credit Card

Provided your requested credit limit is higher than the amount your currently owe on the card and higher than the minimum credit for your card type and we have not blocked your card account for any reason, you can request to decrease your credit limit at any time by sending an email to BOC Online Banking at card.au@bankofchina.com.

Alternatively, call our Customer Service Hotline or visit your nearest BOC branch and our staff can assist you to reduce your card credit limit.

If you have more than 1 BOC Credit Card and you want to reduce the Maximum Amount of credit limit for all cards

You can ask us to reduce the Maximum Amount of Credit for all your cards to reduce the credit limit available on all your BOC Cards. The one credit limit applies across all your BOC Cards.

Provided your requested credit limit is higher than the amount your currently owe on all your cards and higher than the minimum credit for each card type you hold and we have not blocked your card account for any reason, you can request to decrease your Maximum Amount of Credit and credit limit at any time by sending an email to BOC Online Banking at card.au@bankofchina.com.

Alternatively, call our Customer Service Hotline or visit your nearest BOC branch and our staff can assist you to reduce your card credit limit.

Note: You may not get your current limit back.

If you would like to increase your limit at a later date, you’ll need to complete a credit application. You may also ask for supporting documents as part of the process.

If you have more than 1 BOC Credit Card and you want to reduce the credit limit only on one card

You can ask us to reduce the limit on one of your BOC Credit Cards, without reducing your overall credit limit or the Maximum Amount of Credit available across your cards.

This can be useful, for example, if you want to limit the amount of credit available under a supplementary card, or if you want to limit the amount of credit on a card you use when you travel overseas.

Provided your requested credit limit for one card is higher than the amount your currently owe on the card and higher than the minimum credit for that card type, you can request to decrease your credit limit at any time by sending an email to BOC Online Banking at card.au@bankofchina.com.

Alternatively, call our Customer Service Hotline or visit your nearest BOC branch and our staff can assist you to reduce your card credit limit.

Remember that minimum card limits apply for each credit card. If you require a credit limit below your card minimum, please contact us to change to another card product offering a lower credit limit. Below is a table outlining the minimum and maximum limits for BOC credit cards.

Product Name Minimum Credit Limit Maximum Credit Limit
UnionPay Rewards Credit Card $500 $50,000
Mastercard Credit Card - Gold Card $4,000 $50,000
Mastercard Credit Card - low Interes Rate Card $500 $10,000
Mastercard Credit Card - Low Annual Card $500 $10,000
Mastercard Credit Card - Student Card $500 $5,000