Kreditgräns

Kreditgräns refers to the maximum amount of money a lender, such as a bank or credit card company, allows a borrower to spend on credit. This limit is determined based on the borrower's creditworthiness, which is assessed through factors like their credit history, income, and existing debts. The kreditgräns is a crucial aspect of credit products, including credit cards, lines of credit, and overdraft facilities.

When a borrower exceeds their kreditgräns, they may face additional charges, such as over-limit fees, or their transactions may be declined. Maintaining a kreditgräns is important for responsible credit management. Borrowers are encouraged to monitor their spending to stay within their allocated limits. Lenders may periodically review and adjust a borrower's kreditgräns based on their payment behavior and changes in their financial situation. A higher kreditgräns generally indicates a greater level of trust from the lender, but it also necessitates greater financial discipline from the borrower. Understanding and respecting one's kreditgräns is fundamental to avoiding debt problems and maintaining a good credit score.