Credit Limit Increase - Nordiska Embedded

The partner initiates a credit limit increase on an existing card engagement with a single request. As the application moves through document collection, review, signing and the final decision, Nordiska emits webhook events that mirror those state changes. The partner collects supporting documents from the customer and uploads them via the API. Signing is hosted by Nordiska; the partner only needs to forward the customer to the signingUrl that arrives on the webhook.

Recommended reapplication cooldown: 90 days. Nordiska does not enforce this in code, but we recommend the partner prevents a customer from submitting a new credit limit increase application within 90 days of a previous decision, regardless of whether the previous application was approved or rejected.

Initiate Credit Limit Increase

POST /api/engagements/card/{engagement-id}/credit-limit-increase

Request body

{
  "appliedAmount": {
    "amount": 1500000,
    "currency": "EUR",
    "unit": "MINOR"
  },
  "reason": {
    "reasonType": "LARGER_PLANNED_PURCHASES"
  },
  "monthlyIncome": {
    "amount": 450000,
    "currency": "EUR",
    "unit": "MINOR"
  },
  "employmentType": "PERMANENT",
  "redirectUrls": {
    "successUrl": "https://partner.example.com/credit-limit-increase/success",
    "failUrl": "https://partner.example.com/credit-limit-increase/fail"
  }
}

Field	Required	Description
`appliedAmount`	Yes	The new requested credit limit.
`reason`	Yes	Customer-selected reason for requesting the increase. See Reason.
`monthlyIncome`	Yes	The customer’s claimed net monthly income.
`employmentType`	Yes	Customer’s current employment situation. See EmploymentType.
`redirectUrls`	Yes	URLs the customer is sent back to after the hosted signing flow finishes or is aborted.

Reason

reason is a tagged object discriminated by reasonType. Exactly one value must be provided.

`reasonType`	Extra fields	Meaning
`CURRENT_LIMIT_DOES_NOT_COVER_EVERYDAY_NEEDS`	—	Existing limit is insufficient for the customer’s everyday spending.
`LARGER_PLANNED_PURCHASES`	—	Customer plans specific larger purchases.
`INCREASED_NEED_FOR_FINANCIAL_FLEXIBILITY`	—	Customer wants more general headroom.
`TEMPORARILY_HIGHER_OR_CHANGED_EXPENSES`	—	Customer is going through a period of higher or changed expenses.
`OTHER`	`description` (string)	Free-text reason supplied by the customer.

Example with OTHER:

{
  "reason": {
    "reasonType": "OTHER",
    "description": "Moving abroad and need higher monthly headroom"
  }
}

EmploymentType

Value	Meaning
`PERMANENT`	Permanent employment.
`SOLE_PROPRIETOR`	Self-employed sole proprietor.
`RETIRED`	Retired.
`STUDENT`	Student.
`HOMEMAKER`	Homemaker.
`OTHER`	Anything that does not fit.

Response `200 OK`

{
  "id": "f4b5d83f-2eaa-4db3-9a1d-0a9f8a55cd11",
  "status": "PROCESSING",
  "createdAt": "2026-05-12T08:13:21.482Z"
}

The application always starts in PROCESSING. Subsequent status changes are pushed via webhooks.

Upload Supporting Documents

When the CREDIT_LIMIT_INCREASE_DOCUMENTS_REQUIRED webhook fires, the customer must supply supporting documents (e.g. payslips or bank statements). The partner uploads them as multipart/form-data. Up to 5 files can be sent in a single request, and the endpoint can be called multiple times until all required documents have been provided.

POST /api/engagements/card/credit-limit-increase/{credit-limit-increase-id}/documents
Content-Type: multipart/form-data

Part	Required	Description
`documents`	Yes	One or more files (repeat the part per file). Up to 5 files per request, each ≤10 MB, ≤50 MB combined. Content type must be `application/pdf` or `image/*`.

Returns 200 OK on success.

Get Credit Limit Increase

Fetch the current state of a credit limit increase application.

GET /api/engagements/card/credit-limit-increase/{credit-limit-increase-id}

Response `200 OK`

{
  "id": "f4b5d83f-2eaa-4db3-9a1d-0a9f8a55cd11",
  "engagementId": "8e3a2c1d-7b9f-4a52-9c01-2e8f6a91bd33",
  "appliedAmount": {
    "amount": 1500000,
    "currency": "EUR",
    "unit": "MINOR"
  },
  "status": "AWAITING_SIGNING",
  "additionalInformation": {
    "signingUrl": "https://sign.nordiska.com/?sessionId=1fa6ef79-16e7-4665-ae78-c885e65e372b"
  },
  "createdAt": "2026-05-12T08:13:21.482Z",
  "updatedAt": "2026-05-12T09:02:55.117Z"
}

additionalInformation is present only in terminal or actionable states and carries the same payload as the corresponding webhook:

Status	`additionalInformation` shape
`AWAITING_SIGNING`	`{ "signingUrl": "..." }`
`REJECTED`	`{ "rejectReason": "..." }`
`FAILED`	`{ "failureCode": "..." }`
other	omitted

Credit Limit Increase Status

The application moves through the following statuses:

Status	Final	Description
`PROCESSING`		Application created and submitted for evaluation. Initial state of every application.
`AWAITING_DOCUMENTS`		Supporting documents are required from the customer (e.g. payslips or bank statements).
`AWAITING_DOCUMENT_REVIEW`		Documents have been received and are being reviewed manually by Nordiska.
`AWAITING_SIGNING`		A new credit agreement has been generated and the customer needs to sign it via a hosted URL.
`COMPLETED`	✓	The new credit limit has been activated.
`REJECTED`	✓	The application was rejected.
`FAILED`	✓	The application could not be processed due to an error. See `failureCode`.

State diagram

The grey boxes show the webhook emitted on each transition.

Webhook Events

One webhook is emitted per status change. Every payload carries creditLimitIncreaseId.

`CREDIT_LIMIT_INCREASE_DOCUMENTS_REQUIRED`

The customer needs to upload supporting documents (payslips for employed customers, bank statements supporting the claimed income).

{
  "eventType": "CREDIT_LIMIT_INCREASE_DOCUMENTS_REQUIRED",
  "creditLimitIncreaseId": "f4b5d83f-2eaa-4db3-9a1d-0a9f8a55cd11"
}

`CREDIT_LIMIT_INCREASE_DOCUMENT_REVIEW_STARTED`

Documents have been received and are under review. No customer action required.

{
  "eventType": "CREDIT_LIMIT_INCREASE_DOCUMENT_REVIEW_STARTED",
  "creditLimitIncreaseId": "f4b5d83f-2eaa-4db3-9a1d-0a9f8a55cd11"
}

`CREDIT_LIMIT_INCREASE_SIGNING_SESSION_CREATED`

The customer must be redirected to signingUrl to sign the new credit agreement.

{
  "eventType": "CREDIT_LIMIT_INCREASE_SIGNING_SESSION_CREATED",
  "creditLimitIncreaseId": "f4b5d83f-2eaa-4db3-9a1d-0a9f8a55cd11",
  "signingUrl": "https://sign.nordiska.com/?sessionId=1fa6ef79-16e7-4665-ae78-c885e65e372b"
}

`CREDIT_LIMIT_INCREASE_COMPLETED`

The new credit limit is active on the engagement.

{
  "eventType": "CREDIT_LIMIT_INCREASE_COMPLETED",
  "creditLimitIncreaseId": "f4b5d83f-2eaa-4db3-9a1d-0a9f8a55cd11"
}

`CREDIT_LIMIT_INCREASE_REJECTED`

The application was rejected.

{
  "eventType": "CREDIT_LIMIT_INCREASE_REJECTED",
  "creditLimitIncreaseId": "f4b5d83f-2eaa-4db3-9a1d-0a9f8a55cd11",
  "rejectReason": "CREDIT_LIMIT_INCREASE_REJECTED"
}

rejectReason is always CREDIT_LIMIT_INCREASE_REJECTED. The field is kept as an enum for forward compatibility.

`CREDIT_LIMIT_INCREASE_FAILED`

The application could not be processed due to an error rather than a credit decision.

{
  "eventType": "CREDIT_LIMIT_INCREASE_FAILED",
  "creditLimitIncreaseId": "f4b5d83f-2eaa-4db3-9a1d-0a9f8a55cd11",
  "failureCode": "INTERNAL_ERROR"
}

failureCode is one of:

Value	Meaning
`INTERNAL_ERROR`	An unexpected internal error occurred.
`TIMEOUT`	The customer did not complete a required step within the allowed window.

​Initiate Credit Limit Increase

​Request body

​Reason

​EmploymentType

​Response 200 OK

​Upload Supporting Documents

​Get Credit Limit Increase

​Response 200 OK

​Credit Limit Increase Status

​State diagram

​Webhook Events

​CREDIT_LIMIT_INCREASE_DOCUMENTS_REQUIRED

​CREDIT_LIMIT_INCREASE_DOCUMENT_REVIEW_STARTED

​CREDIT_LIMIT_INCREASE_SIGNING_SESSION_CREATED

​CREDIT_LIMIT_INCREASE_COMPLETED

​CREDIT_LIMIT_INCREASE_REJECTED

​CREDIT_LIMIT_INCREASE_FAILED

​End-to-end sequence

Initiate Credit Limit Increase

Request body

Reason

EmploymentType

Response `200 OK`

Upload Supporting Documents

Get Credit Limit Increase

Response `200 OK`

Credit Limit Increase Status

State diagram

Webhook Events

`CREDIT_LIMIT_INCREASE_DOCUMENTS_REQUIRED`

`CREDIT_LIMIT_INCREASE_DOCUMENT_REVIEW_STARTED`

`CREDIT_LIMIT_INCREASE_SIGNING_SESSION_CREATED`

`CREDIT_LIMIT_INCREASE_COMPLETED`

`CREDIT_LIMIT_INCREASE_REJECTED`

`CREDIT_LIMIT_INCREASE_FAILED`

End-to-end sequence