What is a credit limit?

A credit limit places a ceiling on the total amount you can spend and are designed to help you manage and avoid extra charges on your account.

Your credit limit is the maximum outstanding ‘real money’ charge you are allowed to accrue at any given time, and it is based on your plan’s minimum monthly spend amount.

'Real money' charges include;

  • Your minimum monthly plan spend
  • Excluded usage - PSMS, International Roaming
  • Extra usage – data & calls used outside of your Included Value
  • Any unpaid bills will also contribute towards you reaching your credit limit

How your credit limit is determined

When you activate, do a rate plan change or upgrade, your credit limit will automatically update to the amount that is associated with the band your plan fits into.

Use the table below to confirm the credit limit for your plan. For multiple services, add the credit limits of your plans together to calculate your total credit limit.


  • If you are on a $30 plan your credit limit will be $250
  • If you had two services, a $30 plan and a $60 plan, your credit limit will be $650 ($250 + $400)
Band Monthly plan spend Assigned Credit limit
A $0.00 to $20
B $20.01 to $30
C $30.01 to $40
D $40.01 to $50
E $50.01 to $400

Credit Limit Notifications

VMA will send you an SMS notification when you reach 80% and 100% of your total credit limit.

You can find your credit limit and how you're tracking against it in My Account, to the right of the dashboard.

Screenshot showing the credit limit notification in My Account

Exceeding your credit limit

We try to update usage information at least every 3 to 4 hours, but delays in processing usage can take up to 48 hours. This means you may continue to accrue charges for usage over and above your respective credit limit.

If you exceed your credit limit, your service is temporarily suspended to only allow incoming calls and texts, but before you reach that point we'll let you know via a text messages that you’re approaching your limit, and again if you reach your limit.
At that point you should make a payment, which you can do online or by calling us on 1300 555 100.

Credit Limits when Roaming

Please note that roaming charges are on top of the minimum monthly spend and can take up to 3 months to appear on bills. Roaming charges are not billed in real time, which means you can’t rely on your Credit Limit kicking in and suspending your account to prevent extra usage. 

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