Your credit limit is the maximum value of unpaid purchases or liability that you can have at any given time. This liability includes unpaid purchases of Google products and services, and new purchases that haven't generated invoices.
Your credit limit covers all accounts linked to your payments profile.
How it works
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.
Credit limit warnings
If you have opted in to 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 that if you rapidly increase your spending and exceed your credit limit within a narrow window, you may move directly into suspension with no early warning.
If your total liability exceeds your credit limit, your Google services could be restricted.
To avoid service restrictions, you have two options:
- Pay invoices: Any payment that you make restores that amount to your credit limit.
- Request a credit limit increase: This process can take up to 2 weeks to complete. If you're near your credit limit, you can make payments to restore credit while you wait. This precaution should help you to avoid service limitations.
If you've used your entire approved credit limit on your Google service, you may get a warning when you sign in to that service.
To reactivate a service that's restricted by your credit limit, you have two options:
- Pay invoices: Any payment that you make restores that amount to your credit limit.
- Request a credit limit increase: This process can take up to 2 weeks to complete. If you need your accounts reactivated soon, pay your open invoices, even if they aren't due yet.
Request a credit limit increase or request to find out your current credit limit
Tip: You can request a credit limit increase at any time, but we suggest that you do so before you increase the amount that you spend on Google products and services. If you spend more than your credit limit, your service may be restricted.
To increase your credit limit or request to find out your current credit limit, contact us in either of these two ways:
- Reply directly to the credit limit warning email, if you've received one. This email is sent to verified payments users at the email on the payments profile opted in to receiving payments emails.
- Contact your Google representative.
We review requests and respond accordingly. The Credit team reviews each request on a case-by-case basis, so you may be asked for more documentation. Some examples may include:
- Audited financial statements
- Bank guarantees
- Spending projections