What is mtn credit limit?

When you borrow airtime, the amount you were loaned will be deducted automatically upon your next recharge. If it is a data bundle you borrowed, the corresponding airtime value will be deducted when you recharge. The service that allows you to borrow airtime is called MTN XtraTime while the one that loans you data is called MTN XtraByte. MTN has 16 markets across Africa, but this article will give step-by-step instructions on how to borrow airtime and data from the 4 countries with the most MTN subscribers— Nigeria, South Africa, Ghana, and Uganda.

There is a limit to how much one can borrow from MTN. Nigeria has the largest MTN subscriber base in Africa, and the least amount one can borrow from MTN Nigeria is ₦25. To borrow more, you’ll need to build credit. You do this by using the XtraTime service as often as possible. The more you borrow and repay, the more airtime MTN will allow you to loan the next time. The more airtime you credit your phone within a month, the more airtime you can borrow when you need it. So if you only credit your phone with an average of ₦200 a month, don’t expect MTN to allow you to loan ₦500 or more when you need it.

You can only borrow airtime if you qualify for it. To be eligible for the XtraTime service, you must:

You can loan airtime from MTN using the app or prompts from a USSD code. The app is not supported on feature phones, but the USSD code runs on both feature and app-supporting phones.

MTN USSD codes vary in all its 16 African markets. This article will only describe how to use the USSD code to loan airtime for the 4 African countries with the most MTN subscribers—Nigeria, South Africa, Ghana, and Uganda. If you are an MTN user in any of the other countries unaddressed in this article, you can find links to the official MTN support page for your country here.

To borrow airtime using the USSD code in Nigeria, follow these steps:

Upon your transaction, MTN will credit your XtraTime account with the airtime balance after deducting the service fee on every amount you loan. This means that if you loan ₦100, MTN takes ₦15 naira and only allows you to use ₦85 naira of the airtime you borrowed. The next time you top up credit, the ₦100 you borrowed will be automatically paid back to MTN. If you recharge with airtime less than what you borrowed, the entire recharge will go towards your loan repayment and MTN will automatically deduct the remaining loan upon your next recharge.

The USSD code for borrowing data from MTN is the same as that for borrowing data—*606#. The steps are as follows:

The bundle fee and a service charge (15%) will be debited from your main account on your next recharge.

In South Africa, you can loan up to R50 airtime from MTN. The USSD code for borrowing from MTN in South Africa is *136*2#. To loan airtime from MTN:

Upon your transaction, MTN will credit your XtraTime account with the airtime balance after deducting the service fee of 10%.

In South Africa, you can convert MTN XtraTime airtime into data. To do this, dial *136*6# and follow the prompts.

Upon your transaction, MTN will credit your data account. The airtime value will be deducted upon your next recharge.

In Ghana, you can loan GHp50 or more from MTN depending on how much airtime you top up monthly. You must have less than GH¢4 to take an XtraTime loan in Ghana. The USSD code for borrowing from MTN in Ghana is *506#. To loan airtime from MTN in Ghana:

MTN will credit your XtraTime account with the airtime balance after deducting the service fee of 10%. So if you borrow GH¢4, GHp40 will be deducted and only 3.6GH¢ worth of airtime will be available to you.

A minimum of 15 MB is valid for 24 hours and a maximum of 1GB is valid for 24 hours.

Upon dialling *506#, an eligible customer will be provided with loan options based on the user’s total credit limit.  To borrow data from MTN in Ghana follow these steps:

MTN subscribers in Uganda can borrow a minimum of UGX250 and a maximum of UGX10,000. To borrow airtime from MTN in Uganda using the USSD code, follow these steps:

Upon your confirmation, MTN will credit your XtraTime account with the airtime balance after deducting the service fee. In Uganda, the XtraTime Service Fee is 10% of the amount borrowed. So if you borrow UGX1,000, UGX100 will be deducted by MTN as a service charge and UGX 900 will be the usable airtime value.

In Uganda, a minimum of 15 MB is valid for 24 hours, and a maximum of 1GB is valid for 24 hours. To borrow data:

MTN has an app—MyMTN—that you can download from the Google Play store or the Apple store. It allows you to access a variety of MTN services: managing subscriptions and tariff plans, purchasing, transferring, and borrowing airtime, and data bundles.

To borrow airtime from MTN using the app follow these steps:

The credit affordability is determined when the customer applies and initiates the contract. However, we did not activate that credit limit. Gaba Majola, MTN

You can change your limit on the MyMTN app or by dialling *136*5#. Account Holder Usage Limit (AHUL) – This is what you set to control all the lines under your account. You can change your limit by going into any MTN store or contacting our call centre on 136 from your MTN sim, or on 083 136 from other networks.

I've been an MTN 3G customer for almost 3years. My account has been suspended as I've exceeded my credit limit. I stopped at the MTN store

I have been suspended now since the 5th of January because of what MTN explains is hitting the Credit Limit. I got the account (ProCall 120"12 posts" ·" What is your credit limit? Mine is R7000. I never reach it anyway but still. It's silly"MTN Contract: Credit Limit Reached | MyBroadband Forum"8 posts""MTN and Credit Limits [and their silly billing system"20 posts""Credit Limit and PSD Calls on MTN Uncapped Products"8 posts""mtn credit limit and vetting saga | MyBroadband Forum"1 post

To manage monthly spend, subscribers must activate a subscriber usage limit Subject to successful credit vetting – available to MTN Contract customers only.

Your credit limit covers all accounts linked to your Payment Profile.

When you increase your account spend or purchase Google products and services with your account, like Ads or Cloud services, your liability with Google increases. As you pay off invoices, your liability with Google decreases.

Google regularly reviews your credit limit. Based on your payment history and other factors, your credit limit may increase or decrease.

If you would like to increase your credit limit with Google, request a credit limit increase.

If you have opted into receiving payments-related emails, when your liability approaches your credit limit, Google will notify you by email that your credit limit is almost reached. Google will also follow up if your credit limit is exceeded (your email address will need to be verified to receive these notifications).

Keep in mind, if you rapidly increase your spend and exceed your credit limit within a narrow window, you may move right into suspension with no early warning.

A. MTN XtraSpecial Postpaid is a special tariff plan that allows you enjoy a FLAT rate of 13.33 kobo per second for MTN-to-MTN calls, MTN-to-Other networks, and 10 selected international destinations from the very first second without a daily or monthly subscription or access fee. Customers on this plan also enjoy exclusive data bundle offers which is not open to customers on other tariff plans.

Q. How Do I migrate to XtraSpecial Postpaid?

A. To migrate to MTN XtraSpecial Postpaid, you will need to send a migration request via email to PostpaidActivation.NG@mtn.com or visit any MTN Service Centre or Connect Store nationwide and do the following:

Q. Do I need to migrate to MTN XtraSpecial Postpaid to enjoy the flat rate call?

A. If you are currently a Postpaid customer, you will automatically start enjoying the flat rate, But if you are a Prepaid customer, you will need to visit any of our service centres to migrate to MTN XtraSpecial Postpaid tariff plan or you can send a request to PostpaidActivation.NG@mtn.com to process your activation request.

Q. What will I enjoy on MTN XtraSpecial Postpaid?

A. You will enjoy all the following benefits when you are on the MTN XtraSpecial Postpaid tariff plan;

Special data bundles:

Consumer Postpaid data bundles:

Plus, other exciting products and services.

Q. Will I enjoy the Free 10MB Data Bonus on First recharge of the month?

A. No, the free 10MB data bonus on first recharge of the month is ONLY available to prepaid customers.

Q. Will I be charged an access fee to enjoy the flat rate?

A. No, you will not be charged any access fee to enjoy the flat rate.

Q. What are the eligible 10 destination countries that I can call at 13.33k/sec?

A. The eligible 10 countries are listed below:

Q. Will I be required to register the destinations?

A. No, you will NOT be required to register any destination to call it at 13.33k/sec.

Q. Will I be able to view the eligible destinations?

A. Yes, you will be able to view eligible destinations by dialing *408*5#.

Q. Will I be able to enjoy the flat call rate to the selected 10 international destination, if I migrate to any prepaid tariff plan?

A. You can still enjoy the same flat call rate of 13.33k/sec to the selected 10 international destinations IF you migrate to XtraSpecial Prepaid plan; BUT if you migrate to any other Prepaid tariff plan, your calls to these 10 selected destinations will be charged at the standard international rate.

Q. I noticed that when I tried to a buy data bundle, I got a prompt suggesting I buy an XtraSpecial bundle.

A. Yes. As an XtraSpecial postpaid customer, when buying a Data bundle you will get a prompt suggesting an XtraSpecial bundle instead of the Data bundle you are trying to buy.

Example:

If you want to buy an Access bundle of 750MB for N500 valid for 14days, you will get a prompt on your phone, suggesting that you purchase the XtraSpecial N750 for 1.5GB valid for 14days.

Note: The XtraSpecial bundle that will be suggested to you will depend on the Access Data bundle you are trying to buy.

See XtraSpecial Postpaid Cross-Selling table below for the full list of the XtraSpecial bundles that will be cross-sold at the point of Access Data bundle purchase.

Q. What happens when I select the XtraSpecial bundle the system suggested?

A. When you select the option to buy the XtraSpecial Data bundle instead of the Access Data bundle, the system will activate ONLY the XtraSpecial bundle on your line and the Access Data bundle will not be activated.

Q. What happens if I don’t want the suggested XtraSpecial bundle?

A. If you don’t want the XtraSpecial bundle suggested to you, simply select the Access bundle on the cross-selling menu and the system will activate ONLY the Access bundle on your line.

Note: Only the bundle you select will be activated on your line i.e. if you select the suggested XtraSpecial bundle, the Access Data bundle will not be activated on your line; and if you select the Access Data bundle, the suggested XtraSpecial bundle will not be activated on your line.

Q. On which channel of activation will I get the cross-sell menu?

A. You will get the XtraSpecial cross-sell menu when you buy Access Data bundle using myMTN NG app/web, USSD and SMS.

Q. How do I check the data balance of these bundles?

A. To check the data bundle balance, simply dial *312*4#, *310# or text 2 to 312.

You can also log on to myMTN NG app or myMTN web to view the Bundle balances.

Q. What should I do to get the 15% airtime bonus on recharge?

A. You can get the 15% airtime Bonus on recharge when you recharge via the eligible recharge channels listed below:

Q. How long will I be able to use the 15% Airtime bonus on recharge?

A. The 15% Airtime bonus on recharge will be valid for 7 days BUT unused bonus will be cleared after 7days.

Q. Will I be able to share my 15% airtime bonus on recharge?

A. No. 15% Airtime bonus on recharge can’t be shared/transferred to another line.

Q. Will I get 15% Airtime bonus on recharge when I receive or send airtime via Share n Sell?

A. No. You will not get the 15% Airtime bonus on recharge when you receive or send airtime via Share n Sell.

Q. What activities can I perform with the 15% Airtime bonus on recharge?

A. You will be able to make local calls, send SMS and browse any website or app with the 15% Airtime bonus on recharge.

Q. How much will I be charged when using the 15% Airtime bonus on recharge?

A. The table below contains the rate you will be charged from the 15% Airtime bonus on recharge

Q. When will I be able to use the 15% Airtime bonus on recharge?

A. You will be able to use the 15% Airtime bonus on recharge at any time of the day.

Q. If I have airtime on my XtraSpecial account and I also have the 15% Airtime bonus on recharge, which account will be charged when I make calls?

A. Your 15% Airtime bonus on recharge will be charged first until it is exhausted, and subsequent charges will be from your main account or any available voice bonus.

Q. How many times can I get the 15% Airtime bonus on recharge?

A. You will receive the 15% Airtime bonus on recharge for every recharge you make via the eligible channels.

Q. If I migrate to another tariff plan with my 15% Airtime bonus on recharge, will I still be able to use it?

A. Yes, you will still be able to use the 15% Airtime bonus on recharge when you migrate to another tariff plan as long as the bonus has not expired

Q. How do I subscribe to any of the special and Consumer data bundles?

A. You can subscribe to any of the MTN Consumer Postpaid data bundles via the following channels:

Q. What will I get after subscribing to the Special Data bundles?

A. You will receive 5GB or 13GB but depending on the bundle purchased.

Q. Will I be able to buy any of the data bundles multiple times?

A. Yes, you will be able to buy any of the special data bundles multiple times as long as you are on XtraSpecial plan.

Q. Will I be able to use the Special data offer for browsing all day?

A. Yes. You will be able to use XtraSpecial data bundles all-day

Q. Will I be able to roll over my data bundle?

A. You can only roll over unused data in your data main account if you renew the bundle before expiry or within the grace period after expiry.

Q. What is the validity of the XtraSpecial Data bundles?

A. The validity of the bundles are stated below

Q. Who can subscribe to the Consumer Postpaid Data Plans?

A. ONLY Customers on the Consumer Postpaid tariff plans listed below can purchase the bundles:

Q. Will other tariff plans be allowed to purchase the Consumer Postpaid data plans?

A. No. Any Customer that is not on Consumer Postpaid Data will not be allowed to buy the Consumer Postpaid Data plan via any of the eligible channels BUT customers on XtraSpecial Prepaid plans will be able to but any of the Special data bundles.

Q. I received a pop-up menu to choose either Auto-renewal, One-off, or Buy for a Friend when activating a data bundle. What does this mean?

A. The pop-up menu is a feature that allows you to set your data bundle on Auto-renew or One-off purchase, and to “Buy for a Friend”:

Note: The ‘Buy For a Friend’ option can only be used to buy data for a friend on Consumer Postpaid Data tariff plans.

Q. If I have multiple data bundles active, which bundle will deplete first?

A. If you have multiple data bundles active on your line, the data bundle with the least validity will be used first.

Example: If you have a 30-day bundle plan and 60-day plan both active on your line, the 30-day plan will be used first before the 60 days plan.

Q. What happens if I exhaust my data bundle before the renewal date?

A. As soon as you exhaust your data bundle before the expiry, your data access will be suspended, and you will not be able to browse again. To continue browsing, you will need to do one of the following:

Q. Will I be able to enjoy data bonus offers when I activate a data bundle?

A. Yes, you will be able to enjoy 100%, and any other bonus offers you are eligible for on the network whenever you buy a data bundle. The offer includes.

Q. Will I be able to rollover my unused main data bundle?

A. Yes, you will be able to roll over your Unused main data bundle ONLY if you buy another data plan from the same category with the current bundle within the stipulated grace period.

**Note, you will NOT be able to rollover any unused data bonus. See Data Roll Over table below for details:

Q. Can I share my MTN Consumer Postpaid Data Bundles?

A. Yes, you will be able to transfer/share from your Consumer Postpaid data bundle to another Consumer Postpaid line via below channels:

You will ONLY be able to transfer from your Consumer Postpaid data bundle to a line that is also on Consumer Postpaid tariff plan.

Q. I am having 1GB remaining from my expired 35GB 2-Months Plan, will I be able to rollover the remaining 1GB if I buy another monthly data bundle?

A. Yes, you will be able to rollover your unused 1GB when you activate any data plan from the monthly bundle category, and the validity of the new data bundle you activated will be applied to the unused/remaining bundle.

Q. If I have multiple data bundle active from different categories, which bundle will auto-renew first?

A. All bundles will renew according to their bundle category – daily, weekly and monthly, etc. However, if you have multiple data bundles active from same category, the last data plan you purchased from that category will be the bundle that will be auto-renewed.

For Example: if you activate two data plans from the daily plans; (40MB on June 1st, 200MB on June 2nd), two plans from the monthly plan; (1.5GB on June 3rd and 17GB on June 4th), on the day of renewal, only 200MB from the daily plan and 17GB from the monthly plan will be the plans that will auto-renew.

Q. Can I share my MTN Consumer Postpaid Data Bundles?

A. Yes, you will be able to transfer/share from your Consumer Postpaid data bundle to another Consumer Postpaid line via below channels:

Note: You will ONLY be able to transfer from your Consumer Postpaid data bundle to a line that is also on Consumer Postpaid tariff plan.

Q. What will happen if I do not renew my expired bundle or purchase another bundle of the same category after the rollover period?

A. If you fail to renew your expired bundle or purchase another bundle from the same category after the rollover period, all your un-used bundles will be cleared. See Data Roll- Over table for details.

Q. Will I be able to rollover my unused data bonus?

A. No, you will NOT be able to rollover any unused data bonus even if the bundle auto-renews before expiry, upon expiry, or within the applicable rollover period.

Q. If I have multiple data bundles active from different categories, which bundle will auto-renew first?

A. All bundles will renew according to their bundle category – daily, weekly, and monthly, etc. However, if you have multiple data bundles active from the same category, the last data plan you purchased from that category will be the bundle that will be auto renewed.

For Example: if you activate two data plans from the daily plans; (40MB on June 1st, 200MB on June 2nd), two plans from the monthly plan; (1.5GB on June 3rd and 10GB on June 4th), on the day of renewal, only 200MB from the daily plan and 10GB from the monthly plan will be the plans that will auto-renew.

Q. Can I gift an MTN Data Bundle?

A. Yes, you can gift an MTN Data Bundle by dialling *312*7# to Buy For a Friend but the recipient must be on Consumer Postpaid tariff plan.

Q. Will I be able to browse from my airtime automatically after exhausting my data bundle?

A. You will be able to browse from your airtime only after exhausting your data bundle, BUT you will be required to opt in by dialing *312*200# before you can browse from your airtime at Pay As You Go rate.

Q. How do I opt-in for PAYG browsing?

A. To opt in for PAYG browsing, simply;

Q. How much will I be charged for browsing from my airtime after opting in for PAYG browsing?

A. Your browsing from your airtime will be charged at N3.53/MB.

Q. Will I be charged for opting in for PAYG browsing?

A. No, you will not be charged for opting in for PAYG browsing.

Q. How do I opt out of PAYG browsing?

A. To opt out of PAYG browsing, simply

Q. How can I check the validity of my Consumer Postpaid data bundle?

A. You will be able to check the validity and expiry date of your data bundle via the following channels:

JOINING & MIGRATION

Q. How Do I migrate to XtraSpecial Postpaid?

A. To migrate to MTN XtraSpecial Postpaid, you will need to visit any MTN Service Centre or Connect Store nationwide and do the following:

MTN FREE PLATINUM NUMBER AND POSTPAID ACTIVATION FEE

Q. What is the Free MTN Platinum Number and Postpaid Activation Fee?

A. The MTN Free Platinum Number and Postpaid Activation Fee is an exclusive service aimed at offering potential Postpaid customers a FREE Platinum Number and N2,000 instant temporary Credit Limit after paying N2000 service activation fee for a Postpaid plan.

Q. What is Platinum Number?

A. A Platinum number is a unique and memorable type of number that you can use to access and enjoy the rich bouquet of MTNN services.

For Example, 080300000000.

Q. What is the cost of the Postpaid service activation Fee?

A. The Postpaid Service Activation fee cost N2000.

Please note the activation fee is non-refundable.

Q. Who is eligible for the Free MTN Platinum Number and Post-paid Activation Fee service?

A. All NEW customers who want to access and enjoy MTNN products and service on a Post-paid plan.

Q. How can I receive my FREE Platinum Number and N2,000 Instant credit limit on my line?

A. To receive your FREE Platinum number and N2000 Instant Credit Limit on your line, simply follow these steps;

CREDIT LIMIT ALLOCATION

Q. What is this N2000 Instant Credit Limit?

A. 2000 Instant Credit Limit is a temporary credit limit credited to your line to enable you access and enjoy the rich bouquet of MTNN services while we process your permanent credit limit.

Q. Great, what activities can I perform with the N2000 Instant temporary Credit?

A. You can use the N2000 Instant Credit for all chargeable activities but not limited to;

Q. Will I be able to use the N2000 Instant temporary Credit immediately?

A. Yes, you will be able to use the N2000 Instant Credit limit once it has been credited to your line. NO opt-in code is required.

Q. How will I check my Instant Credit limit Balance?

A. You can check your Instant Credit Limit at any time by dialling; *310#

Q. What is the validity of the Instant temporary Credit Limit?

A. The Instant Credit Limit will be valid for 30 calendar days.

PLEASE NOTE: Any unused balance in your Instant temporary Credit Limit account will NOT rollover but will expire and be cleared on the day of expiry.

Example, if you receive your N2000 Instant temporary Credit limit on the 10th of December, it will expire, and all unused balance will clear on 31st December.

Q. Will I be able to transfer my Instant temporary Credit to another MTNN number?

A. No, you will NOT be able to transfer the N2000 Instant temporary Credit Limit to another MTN number.

Q. What happens if I do not exhaust my Instant temporary Credit within the validity period?

A. If you do not exhaust your Instant temporary Credit limit within the validity, your remaining temporary credit limit will be cleared, and you will receive a bill showing usage from the credit limit account for payment.

Q. Is my Instant Credit Limit the same as my Permanent Credit Limit?

A. No, your N2000 Instant Credit Limit is NOT the same as your Permanent Credit Limit. Your permanent Credit Limit will be assigned once you have qualified for an upward review to a higher credit limit.

Example, you have received the N2000 Instant Credit Limit. After credit worthiness checks, you qualify for a N5000 permanent credit limit. Your credit limit will be upgraded from N2000 to N5000.

NOTE: Your Permanent Credit Limit has no validity. However, you will be required to pay your outstanding debt at the end of the billing cycle (i.e. beginning of the new month)

Q. What happens when my Permanent Credit Limit has been assigned?

A. The following will occur when the Permanent Credit Limit has been assigned to your line;

PAYMENT/BILLING/DUNNING

Q. How can I pay my XtraSpecial Postpaid Bill?

A. You can pay your XtraSpecial Postpaid bill using any of the below payment options

Option 1- Pay your bill online or app

Option 2 – Recharge

Dial *557*17-digit PIN# and send “OK”.

Option 3- Pay your bill using our bank account

Use invoice ID, Account ID or Phone number to pay directly into the following MTN collection banks.

Account name: MTN NIG COMM PLC POSTPAID SUBSCRIPTION/ POSTPAID CUSTOMER COLLECTION

MTN's made it super easy to alter usage curbs for “customer with a set limit of zero so that when the contract airtime and data are depleted,