To determine a suitable limit and interest rate for you, TPayLater uses your credit behavior as measurement. Your credit behavior is reflected in your TPayLater Level.

The higher your level gets, the more benefits you can enjoy. To see your benefits and the ways you can increase your limit, please follow the steps below.andnbsp;andnbsp;

1. Open your TPayLater account from your Traveloka App homepage.

2. Tap Your Level panel, and you will see your current benefits.

3. On the same page, you can also learn how to maintain and increase your level.andnbsp;

Basically, there are 3 things you can do to increase your limit:

Plan Your Booking

1. Plan your trip well ahead of time. Avoid making your bookings too close to your departure date.

2. Use TPayLater as a preferred payment method and plan your purchases ahead. Specifically, please be mindful when your total bill within the next 30 days approaches 40% of your total limit.

Spend Responsibly

1. Plan your expenses carefully and don't spend more than you can afford.

2. Plan your installments by utilizing our monthly installment options to ease the burden on your monthly bills.

Pay On Time

1. Pay your bills on time

2. Set reminders and organize your finances around payments to avoid late payments.andnbsp;

To personalize your payment reminders, please refer to this article: TPayLater Payment Reminder.

Note: Any update on your level will take effect at least 30 days after your previous level update.