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With effect from 1 December 2013
Financial Institutions (FIs) to conduct credit bureau and income checks before increasing credit limits.

Must an FI conduct a fresh income and credit bureau check before issuing an additional credit card to a borrower who already holds a credit card from the same FI?

No, if the additional credit card shares the credit limit of the existing credit card, and the borrower’s aggregate credit limit is not increased. However, a fresh income and credit bureau check will have to be conducted if the additional credit card results in an increase in the borrower’s aggregate credit limit.

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