Juzt Digital Credit Card FAQs

Your initial credit limit with Juzt Credit Card is between $400 to $1000, with $400 as the default limit for most new users. We set the limit so you can build credit responsibly and control your finances. By starting with a manageable limit, you can focus on developing good habits like paying on time, keeping your spending in check, and avoiding debt. These habits will improve your credit standing over time and set you up for long-term financial stability.

As you use your Juzt Credit Card responsibly, you may qualify credit limit increases. Paying your balance regularly and staying within your limit shows financial discipline, and that’s rewarded with more flexibility. With a higher limit, you will have more purchasing power and can handle unexpected expenses more efficiently while still enjoying the same benefits of Juzt Credit Card. This card is not just a financial tool. It’s a step towards a brighter financial future.

How to increase your credit limit:

• Eligibility: You can request a credit limit increase by contacting us through email: [email protected], and after responsibly using your card for at least 90 days. Demonstrating responsible use means making all your payments on time, maintaining a manageable balance (not maxing out your card), and avoiding missed or late payments. Once you meet these criteria, you can submit a credit limit increase request to our Customer Support.
• Requirements: To qualify for a credit limit increase, you’ll need to meet the following conditions:
• All payments on your credit card must be made on time, showing strong financial responsibility and discipline. Late payments or missed due dates may delay your eligibility for an increase.
• You will be asked to provide your income to determine your current financial capacity.
• Your debt-to-income (DTI) ratio should remain 80% or lower, meaning your total debt obligations should not exceed 80% of your income. This standard measure of financial health ensures you are not overburdened by debt.
• Limit Increases: When your request for a limit increase is approved, your credit limit will increase incrementally by a minimum of $50 and up to $200 at a time, depending on your credit profile and eligibility. Over time, with consistent, responsible use of your card, your total credit line may grow to a maximum of $1000. This gradual increase ensures you maintain financial control while enjoying greater flexibility for your spending needs.
• Income Updates: To ensure that your credit profile remains accurate and reflects your current financial situation, we periodically collect updated income information. This is typically done via SMS for your convenience. Keeping your income information up-to-date helps us determine your eligibility for future credit line increases and ensures we can offer you the best possible support as your financial circumstances evolve.

By responsibly managing your Juzt Credit Card, you can steadily grow your credit limit, improve your credit standing, and unlock greater financial opportunities. We’re here to support your journey toward financial freedom with tools and policies that keep you in control.