Frequently Asked Questions

How do I decrease or increase the limit on my credit card?

To decrease the limit on your Heritage Credit Card you'll need to provide us with limit reduction instructions. If you have internet banking you can do this in Heritage Online. Log in to Heritage Online on your desktop computer or mobile browser and select 'contact us'. Complete the Heritage Online Feedback form detailing your limit reduction request.

If you have not registered for Heritage Online, you can complete the Application for Limit Reduction on Visa Card Form and return this to us. You will receive a confirmation letter when your credit card limit is reduced. 

Please note: Your outstanding balance must be less than the limit you’ve requested. There may also be minimum credit limit for your product type which you can find on our compare page.

To increase the limit on your Heritage Visa Credit Card an application is required. Call 13 14 22, enquire online or talk to your local branch to get started. 

More help

Close an account
How to close an account, credit card, personal loan or home loan with Heritage Bank.