In general, majority of the Atome users have a spending limit of:
Non-Credit Card Customer
Credit Card Customer
As a general guideline, the spending limit will be PHP15,000 for new debit card users and PHP30,000 for new credit card users. However, your purchase may still be declined due to a variety of other factors which Atome uses to determine the approval of the transaction. If your purchase is indeed declined, you may write to us for special approval on a case-by-case basis.
Your spending limit in the Atome account is determined by the default payment card. For example, if you have added 3 credit cards and 2 debit cards in your account, and the primary card is a debit card, your limit will be PHP15,000.
To maintain a higher limit, please:
- Switch to our preferred payment option i.e. credit card
- Keep a good repayment behaviour
Note: All Atome users have varying spending limit available for transacting with Atome. This limit is different from the credit limit that you have set on your credit/debit card.