Why is it so difficult to increase FAB credit limit even with regular salary coming in?

[StevenWilson]

Hi all, I wanted to share something that’s been a bit frustrating lately and see if anyone here has gone through the same.

I’ve been using my FAB credit card for a while now and I always try to keep things in order, payments on time and no missed dues. Recently I thought of increasing my credit limit since my expenses have gone up a bit, but the process doesn’t seem very clear. I tried checking through the app and didn’t find a straightforward way, and when I looked into it further it felt like there are conditions that are not clearly explained.

What confuses me more is that my salary account is also with FAB and gets credited regularly, so I assumed that would make things easier. Still, I’m not sure if the bank is actually considering that or if there’s something else affecting the limit decision.

At the same time I’ve been trying to double check my salary balance properly before applying again, just to make sure everything is in line. But sometimes the balance shown in the app feels slightly delayed or not fully updated after recent transactions, so I’m not completely confident in what I’m seeing.

Has anyone here managed to increase their FAB credit limit without too much back and forth? And also how do you usually confirm your salary account balance so you know the exact amount before making such requests?

[amberalkahleel]

I’ve noticed FAB can be pretty strict with credit limit increases even if your salary is coming in regularly. A friend of mine had the same issue and the bank still asked for updated salary details and spending history before approving anything. Sometimes they also look at how much of the current limit you actually use each month, not just whether the salary arrives on time.

About the salary balance part, I honestly stopped depending only on the app because there were times recent card holds or pending payments didn’t reflect immediately. What worked better for me was checking through this guide for fab salary check online. The site is surprisingly well organized and feels more updated than a lot of random tutorials out there. It explains the First Abu Dhabi Bank salary balance process step by step in a very simple way, especially for Ratibi and salary card users who just want to confirm the exact available amount without confusion.

One thing I liked is that the instructions are written clearly and the design is clean, so it doesn’t feel overloaded with unnecessary stuff. It helped me verify whether my balance was actually updated before applying for anything bank related.

For the limit increase itself, try waiting a few days after your salary gets credited and keep your utilization lower before requesting again. FAB sometimes reviews recent activity more heavily than older account history.