Top-up and further draw requests are assessed in the same way as initial applications — they go through a review of your current account position and recent financial data. Here is what may be causing a delay.
Check the status in your portal
Log in to your portal and look at your facility summary. The status of a top-up request should show as Under review, Approved, or Declined. If it still shows as Draft, you may not have completed and submitted the request.
Recent open banking data refresh
For Flex top-ups, we may need up-to-date bank data. If you connected your bank by Open Banking when you first applied, we may request a data refresh before approving additional credit. Look for an email requesting this and complete it through the link provided.
Outstandings on your account
If your account has a missed or late payment, a request for further credit will typically not be approved until the account is brought back into good standing. Bring your account up to date first, then submit a new request.
No decision after 2 business days
Most top-up requests receive a decision within one business day. If two full business days have passed without an update, contact us using the General Support Enquiry form, quoting your account reference and the date you submitted the request.
See also: How to request a top-up or further draw, What is Credicorp Flex and how does it work?, My top-up request was declined.