Important: Our Support team cannot manually adjust Cover limits.
Your Cover eligibility is calculated automatically based on your account activity and history with KOHO. As you continue using your account and building positive activity, you may become eligible for higher limits over time.
If you don’t see the option to unlock a higher amount in your Cover page, it means you’ve reached your current maximum eligible limit for now. There isn’t a request process, but you can review your personalized Suggested Actions to see personalized steps that may help strengthen your eligibility over time.
These may include:
Receiving direct deposits into your KOHO account
Using your KOHO card for everyday spending
Paying bills through KOHO
Keeping your subscriptions (Cover, paid plan, Credit Building) active and in good standing
Consenting to a soft credit check
Completing these actions can improve your eligibility profile, but increases aren’t guaranteed. If you qualify for a higher limit, it will automatically appear in the app, no action required from Support.
Why did a Suggested Action disappear or reset?
Suggested Actions update automatically based on your recent account activity and status. When an action is completed, you’ll see a green check mark. If an action moves back to incomplete or the check mark disappears, it usually means something in your account activity or status has changed.
Common reasons include:
No activity in the last 30 days (for example: no spending, no direct deposit, or no bill payments)
A subscription such as Credit Building or a paid plan was cancelled or is currently past due
Some Suggested Actions are based on rolling 30-day activity, so they can reset if there isn’t recent activity. This is normal. Once you complete the action again, like receiving a new direct deposit or making a purchase, it’ll automatically update in your checklist with a green check mark.
For spending transactions, you may see the green check mark appear after a few days, since the action only updates once the transaction has fully settled.
I completed all the Suggested Actions but didn’t get a higher limit. Why?
Nice work on completing the Suggested Actions 👏
While these actions can help strengthen your eligibility profile, they don’t automatically guarantee a limit increase.
Your Cover limit is determined by multiple factors, including overall account activity, consistency over time, and internal assessments. Even if all Suggested Actions are completed, you may still be at your current maximum eligible limit for now.
A few important things to keep in mind:
Suggested Actions help improve your profile, but they’re not approvals or promises of an increase
Some eligibility signals require consistent activity over time, not just one-time completion
Limit reviews happen automatically, there’s no manual review or request process available
If you qualify for a higher limit in the future, the option will automatically appear in your app. Support isn’t able to manually trigger reviews, push increases, or override eligibility decisions. Everything is calculated automatically within the system.
The best approach? Keep using your account consistently and maintaining positive activity. If your eligible limit changes, you’ll automatically see the update in your app and receive a notification.