Your account is set up with a credit limit based on your application. You can make purchases up to this credit limit. If you exceed this credit limit, you will be charged over limit fees.

The Over Limit Fee is made up of a $95 administration fee + GST and interest of up to 10% of the maximum balance over and above the credit limit reached during the billing period.

You can avoid over limit fees by:

• Adjusting your payment schedule to fortnightly or weekly
• Monitoring your account and making interim payments if you are approaching your credit limit
• Making regular online payments
• Requesting a credit limit increase – simply reach out to us by selecting Contact Support at the bottom of this page.

Remember to keep an eye on your balance regularly to keep track of your spending. You can check your balance anytime by logging into your CardLink Online account by selecting Login on the top right of this screen.