Pre-2025 ban on unsolicited credit limit increase invitations
Credit card limit increase offers cannot be sent without prior written consent.
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Who must comply
Credit card issuers.
What triggers it
Making credit limit increase offers.
When due
Continuous.
Evidence required
Consent records + audit trails.
Max penalty
Civil penalties up to $16.5M / 3× benefit / 10% turnover
Summary
From 1 January 2019, s 133BE NCCP Act prohibits credit providers from making credit limit increase invitations without express prior consent from the consumer. Periodic re-consent + opt-out provided.
Enforced by
Source legislation
Industries
Topics
creditconsent
Related obligations
- CWLTHComply with NCCP responsible lending obligationsCredit licensees must not enter into credit contracts unsuitable for the consumer.
- CWLTHMortgage broker best interests dutyBrokers must act in the consumer's best interests when providing credit assistance.
- CWLTHBNPL providers — credit licensing from 10 June 2025BNPL captured by the NCCP Act as a regulated credit product from 10 June 2025.
- CWLTHConsumer Credit Hardship Notice (NCC ss 72-73)Credit providers must respond to hardship notice + assess variation request.
- CWLTHSmall Amount Credit Contract + Consumer Lease caps (post-SACC reforms)SACC + consumer lease fee caps + responsible lending tightened post-Royal Commission.
- CWLTHComply with the Spam Act 2003 (consent, identify, unsubscribe)All commercial electronic messages must have consent, identify the sender, and offer a working unsubscribe.
Frequently asked questions
- Who must comply with Pre-2025 ban on unsolicited credit limit increase invitations?
- Credit card issuers.
- What triggers Pre-2025 ban on unsolicited credit limit increase invitations?
- Making credit limit increase offers.
- When is Pre-2025 ban on unsolicited credit limit increase invitations due?
- Continuous.
- What is the maximum penalty for Pre-2025 ban on unsolicited credit limit increase invitations?
- Civil penalties up to $16.5M / 3× benefit / 10% turnover
- What evidence is required for Pre-2025 ban on unsolicited credit limit increase invitations?
- Consent records + audit trails.
Source: https://asic.gov.au/regulatory-resources/credit/. Rules Mate is not a law firm. Always verify against the live regulator source before acting.