How to Increase Your KASUMI Credit Card Limit
Having a higher credit limit is the desire of millions of Brazilians seeking greater purchasing power and financial flexibility. When it comes to the KASUMI card, this pursuit makes even more sense, as the card offers exclusive benefits at supermarkets and AEON group stores.
The benefits of increasing the KASUMI card limit go beyond purchasing power. A higher limit provides greater flexibility to installment larger purchases, offers security in emergency situations, and contributes to better financial organization.
You will learn step by step how to request a KASUMI card limit increase, understand the timeframes involved, learn the best practices to accelerate approval, and discover valuable tips to achieve a higher limit with full responsibility.
How to Request a KASUMI Card Limit Increase?
The KASUMI card limit increase request process is practical and can be carried out completely digitally through the AEON Wallet app. The platform offers an intuitive experience, allowing you to make the request in just a few minutes, without needing to visit a physical branch or face service lines.
Check out the complete step-by-step guide to request an increase:
- Download the AEON Wallet app from the App Store or Google Play and log in with your registered credentials.
- Access your KASUMI card area in the app’s main menu.
- Locate the “Manage Limit” or “Request Limit Increase” option in the card settings.
- Check if your registration data is up to date, especially income and employment information.
- Update your income if any positive changes have occurred in recent months.
- Enter the desired new limit amount realistically, compatible with your current income.
- Submit the request and wait for the analysis, which usually takes 24 to 72 business hours.
- Track the request status through the app itself or by push notifications.
Maintaining good card usage practices, such as timely payments and conscious limit utilization, significantly accelerates the approval of your increase request. AEON Credit Service values customers who demonstrate financial responsibility and commitment to their obligations.
Understanding the KASUMI Card Limit
The initial KASUMI card limit is defined by AEON Credit Service based on a careful analysis of various factors. The applicant’s proven income is one of the main criteria, but not the only one.
Credit history, prior relationship with financial institutions, credit score at Serasa and SPC, and even residence time and professional stability are considered during the evaluation. This multifactorial analysis allows the institution to offer a limit appropriate to each customer’s profile.
It’s important to understand that the KASUMI card limit is not static. AEON Credit Service conducts periodic reviews of its customers’ limits, generally every three to six months.
Best Practices to Increase Your Limit
Financial responsibility and intelligent use of the KASUMI card are the main factors that increase AEON Credit Service’s confidence in its customers. Financial institutions prefer to grant higher limits to people who demonstrate the ability to manage their resources well and honor commitments.
See the 7 best practices to achieve a higher limit:
- Always pay the full invoice on the due date, avoiding interest and penalties.
- Use between 30% and 50% of your available limit regularly, demonstrating active use without compromising payment capacity.
- Keep your registration data always updated, especially income and address information.
- Concentrate your purchases at Kasumi supermarkets and AEON stores to maximize your relationship with the operator.
- Avoid delays in any type of payment, including water, electricity bills, and other financial obligations.
- Don’t apply for many credit cards simultaneously, as this can signal risk to institutions.
- Regularly monitor your credit score and work to keep it at high levels.
By incorporating these attitudes into your daily finances, you significantly strengthen your relationship with AEON Credit Service. The institution recognizes and values committed customers, increasing your chances of receiving increasingly better limit proposals over time.
How Long Does It Take to Increase the Limit?
The average time to get a KASUMI card limit increase ranges between 3 and 6 months after card issuance or after the last granted increase.
This period is necessary for AEON Credit Service to adequately assess your usage behavior, your payment punctuality, and your ability to manage the provided credit.
It’s essential to understand that the exact time can vary considerably according to each customer’s individual profile. Factors such as credit history in the market, relationship with other financial institutions, income variations, and changes in credit score can accelerate or delay the granting of new increases.
What Is the Maximum KASUMI Card Limit?
AEON Credit Service works with a dynamic credit policy, where the limit grows proportionally to conscious use, demonstrated payment capacity, and the evolution of the customer’s relationship with the institution.
The main factors that influence your maximum limit are:
- Proven monthly income and its stability over time.
- Updated credit score at Serasa, SPC, and other credit bureaus.
- Length of relationship with AEON Credit Service and card usage frequency.
- History of timely payments and absence of default.
- Income commitment to other debts and financing.
- Declared assets and other financial assets.
- Consumption profile and predominant spending categories on the card.
Your KASUMI card limit is, ultimately, a direct reflection of your financial credibility. The more you demonstrate responsibility, organization, and commitment to your obligations, the greater the chances of the institution trusting you with increasingly impressive limits.
Can I Request a Limit Increase at Any Time?
However, there are some important caveats you should consider before making your request. Requesting increases too frequently or at inappropriate times can reduce your approval chances and even signal risky behavior to the financial institution.
The ideal behavior to maximize your approval chances involves waiting at least three months between each request. During this period, focus on using the card regularly, paying all invoices in full, and keeping your credit score at healthy levels.
Wait at least 60 to 90 days before making a new attempt, and during this interval, redouble your efforts to demonstrate responsibility: pay your bills on time, keep card use active, and avoid compromising too high a portion of your current limit.
Is the Limit Increase Automatic?
Yes, in many cases the KASUMI card limit increase happens completely automatically, without the customer needing to make any request. AEON Credit Service has intelligent systems that continuously monitor customer usage and payment behavior.
To increase your chances of receiving an automatic increase, follow these practices:
- Never delay invoice payment, not even by a single day.
- Always pay the full invoice amount, avoiding revolving credit.
- Use the KASUMI card regularly for daily purchases.
- Keep usage between 30% and 70% of available limit.
- Update your income data whenever there’s a salary increase.
- Maintain a good relationship with the entire AEON and Kasumi network.
- Monitor and constantly work to improve your credit score.
When the system identifies consistent positive patterns, such as timely payments, regular card use, and maintenance of good credit score, it can automatically trigger an increase proposal.
My Request Was Denied. What Now?
Receiving a denial on your KASUMI card limit increase request can be frustrating, but it’s important to understand that this decision is not final. AEON Credit Service constantly reevaluates its customers’ profiles, and a denial today doesn’t mean impossibility of approval in the future.
The most common reasons for denial include: credit score below desired level, income incompatible with requested limit, recent history of delays, high income commitment to other debts, insufficient relationship time with the institution, or very frequent increase requests.
The most important guidance after a denial is to maintain conscious and responsible card use. Continue paying your invoices in full and on time, use the available limit in a balanced way, and work to improve your credit score.
Does Having a Bad Credit Record Prevent the Increase?
Yes, having a negative credit record at credit protection agencies is one of the main impediments to getting a KASUMI card limit increase. When your CPF is restricted at Serasa, SPC, or other credit bureaus, AEON Credit Service interprets this situation as a high-risk signal.
See the main reasons why restricted CPF harms your increase request:
- Indicates history of default and difficulty in honoring financial commitments.
- Drastically reduces credit score, the main indicator used by institutions.
- Signals risk that new credits granted will also not be paid.
- Demonstrates possible financial disorganization and lack of planning.
- Negatively affects relationship with all financial institutions simultaneously.
- May result in current limit reduction instead of increase.
- Remains in history even after regularization, impacting future analyses.
Significantly reducing the institution’s confidence in your ability to honor larger financial commitments.
How Many Times Can I Request an Increase?
In general, you can request a KASUMI card limit increase every 3 or 6 months, depending on your relationship history with AEON Credit Service. There is no formal limit on attempts, but it is highly recommended to respect these intervals to avoid harming your image with the institution.
The recommended best practice is to wait at least 90 days after a request, whether approved or denied, before making a new request. During this period, focus on demonstrating exemplary financial behavior: pay all invoices on time, use the card regularly, and keep your credit score healthy.
It’s important to differentiate between manual request and automatic increase. While manual request depends on your initiative and is subject to recommended intervals, automatic increase can happen at any time, without prior notice, when AEON Credit Service’s system identifies that your profile.
How to Apply for the KASUMI Card?
The KASUMI card application process is completely digital, fast, and secure. AEON Credit Service has developed a modern platform that allows interested parties to complete the entire application in just a few minutes, directly from smartphone or computer.
Follow this step-by-step guide to apply for your card:
- Access the official AEON Credit website: aeoncredit.com.my Service or download the AEON Wallet app.
- Locate the “Apply for KASUMI Card” option and click to start the process.
- Fill in your personal data carefully: full name, CPF, date of birth, and address.
- Provide your professional and income data accurately and up to date.
- Submit the requested documents: identity document, proof of income, and proof of residence.
- Review all information and confirm the application.
- Wait for credit analysis, which usually takes from a few hours to a few days.
- After approval, activate your digital card immediately through the app and wait for the physical card via mail.
Once approved, you’ll have access to all exclusive KASUMI card benefits: 5% discounts on Wednesdays and Fridays, WAON points accumulation on all purchases, permanent zero annual fee, and complete integration with digital wallets. The rewards program allows you to exchange your points for direct discounts on your next purchases!
How to Contact the Card Operator?
AEON Credit Service provides various service channels for KASUMI card customers, ensuring complete support for all your needs. Whether to clarify doubts, request services, report problems, or make complaints, you’ll always find a contact method suitable to your preference and urgency.
Check out the main available service channels:
- Phone Service Center: 0570-071-090 (available during business hours)
- AEON Wallet App: Integrated chat and help center available 24 hours
- Official Website: Self-service area with complete FAQ and contact forms
- Email: Channel available through the contact form on the official website
- Kasumi and AEON Stores: In-person service for card-related matters
It’s essential to use exclusively AEON Credit Service’s official channels for any type of contact related to your KASUMI card. Scammers frequently impersonate financial institution representatives to obtain sensitive data.
Never provide passwords, security codes, or complete card data by phone or message. If in doubt about the authenticity of a contact, hang up and contact directly through official channels to ensure your protection against fraud.
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