diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/DashboardFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/DashboardFragment.kt
index 83c5844..68ae3a9 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/DashboardFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/DashboardFragment.kt
@@ -77,54 +77,125 @@ class DashboardFragment : Fragment() {
 
     private fun updateBalances(accounts: List<BankAccount>) {
         val hide = viewModel.hideAmounts.value ?: false
+
+        val nonCreditAccounts = accounts.filter { it.profileType != "BML_CREDIT" }
+        val creditAccounts = accounts.filter { it.profileType == "BML_CREDIT" }
+
         if (hide) {
             binding.tvMvrBalance.text = "MVR ••••••"
             binding.tvUsdBalance.text = "USD ••••••"
+            if (creditAccounts.isNotEmpty()) {
+                binding.rowCreditCards.visibility = View.VISIBLE
+                val hasMvrCredit = creditAccounts.any { it.currencyName.equals("MVR", ignoreCase = true) }
+                val hasUsdCredit = creditAccounts.any { it.currencyName.equals("USD", ignoreCase = true) }
+                binding.cardMvrCredit.visibility = if (hasMvrCredit) View.VISIBLE else View.GONE
+                binding.cardUsdCredit.visibility = if (hasUsdCredit) View.VISIBLE else View.GONE
+                binding.tvMvrCredit.text = "MVR ••••••"
+                binding.tvUsdCredit.text = "USD ••••••"
+            } else {
+                binding.rowCreditCards.visibility = View.GONE
+            }
             return
         }
-        val mvrTotal = accounts
+
+        val mvrTotal = nonCreditAccounts
             .filter { it.currencyName.equals("MVR", ignoreCase = true) }
             .sumOf { it.availableBalance.replace(",", "").toDoubleOrNull() ?: 0.0 }
-        val usdTotal = accounts
+        val usdTotal = nonCreditAccounts
             .filter { it.currencyName.equals("USD", ignoreCase = true) }
             .sumOf { it.availableBalance.replace(",", "").toDoubleOrNull() ?: 0.0 }
 
         binding.tvMvrBalance.text = "MVR %,.2f".format(mvrTotal)
         binding.tvUsdBalance.text = "USD %,.2f".format(usdTotal)
+
+        val mvrCredit = creditAccounts
+            .filter { it.currencyName.equals("MVR", ignoreCase = true) }
+            .sumOf { it.availableBalance.replace(",", "").toDoubleOrNull() ?: 0.0 }
+        val usdCredit = creditAccounts
+            .filter { it.currencyName.equals("USD", ignoreCase = true) }
+            .sumOf { it.availableBalance.replace(",", "").toDoubleOrNull() ?: 0.0 }
+
+        if (creditAccounts.isNotEmpty()) {
+            binding.rowCreditCards.visibility = View.VISIBLE
+            binding.cardMvrCredit.visibility = if (mvrCredit > 0) View.VISIBLE else View.GONE
+            binding.cardUsdCredit.visibility = if (usdCredit > 0) View.VISIBLE else View.GONE
+            binding.tvMvrCredit.text = "MVR %,.2f".format(mvrCredit)
+            binding.tvUsdCredit.text = "USD %,.2f".format(usdCredit)
+        } else {
+            binding.rowCreditCards.visibility = View.GONE
+        }
     }
 
+    private val expandedLimits = mutableSetOf<Int>()
+
     private fun updateForeignLimits(entries: List<HomeViewModel.BmlLimitsData>) {
         val hide = viewModel.hideAmounts.value ?: false
         binding.containerForeignLimits.removeAllViews()
+        var cardIndex = 0
         for (entry in entries) {
             for (limit in entry.limits) {
+                val idx = cardIndex++
                 val card = ItemForeignLimitBinding.inflate(layoutInflater, binding.containerForeignLimits, false)
-                card.tvLimitUserName.text = entry.userName.ifBlank { "BML" }
-                card.tvLimitType.text = limit.type
-                if (hide) {
-                    card.tvLimitGeneral.text = "USD ••••••"
-                    card.tvLimitMedical.text = "USD ••••••"
-                    card.tvLimitAtm.text = if (!limit.isAtmEnabled) "USD •••••• · Disabled" else "USD ••••••"
-                    card.tvLimitEcom.text = "USD ••••••"
-                    card.tvLimitPos.text = if (!limit.isPosEnabled) "USD •••••• · Disabled" else "USD ••••••"
-                } else {
-                    card.tvLimitGeneral.text = "USD %,.0f / %,.0f".format(limit.generalRemaining, limit.generalCap)
-                    card.tvLimitMedical.text = "USD %,.0f".format(limit.medicalRemaining)
-                    card.tvLimitAtm.text = if (!limit.isAtmEnabled)
-                        "USD %,.0f / %,.0f · Disabled".format(limit.atmRemaining, limit.atmLimit)
-                    else
-                        "USD %,.0f / %,.0f".format(limit.atmRemaining, limit.atmLimit)
-                    card.tvLimitEcom.text = "USD %,.0f / %,.0f".format(limit.ecomRemaining, limit.ecomLimit)
-                    card.tvLimitPos.text = if (!limit.isPosEnabled)
-                        "USD %,.0f / %,.0f · Disabled".format(limit.posRemaining, limit.posLimit)
-                    else
-                        "USD %,.0f / %,.0f".format(limit.posRemaining, limit.posLimit)
+                bindLimitCard(card, entry.userName, limit, hide, idx in expandedLimits)
+                card.root.setOnClickListener {
+                    if (idx in expandedLimits) expandedLimits.remove(idx) else expandedLimits.add(idx)
+                    updateForeignLimits(entries)
                 }
                 binding.containerForeignLimits.addView(card.root)
             }
         }
     }
 
+    private fun bindLimitCard(
+        card: ItemForeignLimitBinding,
+        userName: String,
+        limit: BmlForeignLimit,
+        hide: Boolean,
+        expanded: Boolean
+    ) {
+        card.tvLimitUserName.text = userName.ifBlank { "BML" }
+        card.tvLimitType.text = limit.type
+
+        // ECOM (always visible)
+        card.tvLimitEcom.text = if (hide) "USD ••••••"
+            else "USD %,.2f / %,.0f".format(limit.ecomRemaining, limit.ecomLimit)
+        card.progressEcom.progress = if (hide || limit.ecomLimit <= 0) 0
+            else ((limit.ecomRemaining / limit.ecomLimit) * 100).toInt().coerceIn(0, 100)
+
+        // General (always visible)
+        card.tvLimitGeneral.text = if (hide) "USD ••••••"
+            else "USD %,.2f / %,.0f".format(limit.generalRemaining, limit.generalCap)
+        card.progressGeneral.progress = if (hide || limit.generalCap <= 0) 0
+            else ((limit.generalRemaining / limit.generalCap) * 100).toInt().coerceIn(0, 100)
+
+        // Expanded section
+        val detailsVisible = if (expanded) View.VISIBLE else View.GONE
+        card.dividerLimitDetails.visibility = detailsVisible
+        card.detailsGroup.visibility = detailsVisible
+
+        if (expanded) {
+            // ATM
+            if (!limit.isAtmEnabled) card.tvAtmLabel.append(" (Disabled)")
+            card.tvLimitAtm.text = if (hide) "USD ••••••"
+                else "USD %,.2f / %,.0f".format(limit.atmRemaining, limit.atmLimit)
+            card.progressAtm.progress = if (hide || limit.atmLimit <= 0) 0
+                else ((limit.atmRemaining / limit.atmLimit) * 100).toInt().coerceIn(0, 100)
+
+            // POS
+            if (!limit.isPosEnabled) card.tvPosLabel.append(" (Disabled)")
+            card.tvLimitPos.text = if (hide) "USD ••••••"
+                else "USD %,.2f / %,.0f".format(limit.posRemaining, limit.posLimit)
+            card.progressPos.progress = if (hide || limit.posLimit <= 0) 0
+                else ((limit.posRemaining / limit.posLimit) * 100).toInt().coerceIn(0, 100)
+
+            // Medical
+            card.tvLimitMedical.text = if (hide) "USD ••••••"
+                else "USD %,.2f / %,.0f".format(limit.medicalRemaining, limit.totalLimit)
+            card.progressMedical.progress = if (hide || limit.totalLimit <= 0) 0
+                else ((limit.medicalRemaining / limit.totalLimit) * 100).toInt().coerceIn(0, 100)
+        }
+    }
+
     private fun updatePendingFinances() {
         val hide = viewModel.hideAmounts.value ?: false
         val mibTotal = (viewModel.financing.value ?: emptyList()).sumOf { it.outstandingAmount }
diff --git a/app/src/main/res/layout/fragment_dashboard.xml b/app/src/main/res/layout/fragment_dashboard.xml
index 5f40184..b2c3167 100644
--- a/app/src/main/res/layout/fragment_dashboard.xml
+++ b/app/src/main/res/layout/fragment_dashboard.xml
@@ -97,6 +97,85 @@
 
         </LinearLayout>
 
+        <!-- Available Credit row (hidden when no credit cards) -->
+        <LinearLayout
+            android:id="@+id/rowCreditCards"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="horizontal"
+            android:layout_marginTop="16dp"
+            android:visibility="gone">
+
+            <com.google.android.material.card.MaterialCardView
+                android:id="@+id/cardMvrCredit"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:layout_marginEnd="8dp"
+                app:cardElevation="1dp"
+                app:cardCornerRadius="12dp">
+
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:padding="16dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="@string/balance_mvr_credit"
+                        android:textAppearance="?attr/textAppearanceLabelSmall"
+                        android:textColor="?attr/colorOnSurfaceVariant" />
+
+                    <TextView
+                        android:id="@+id/tvMvrCredit"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="4dp"
+                        android:text="MVR —"
+                        android:textAppearance="?attr/textAppearanceTitleMedium" />
+
+                </LinearLayout>
+
+            </com.google.android.material.card.MaterialCardView>
+
+            <com.google.android.material.card.MaterialCardView
+                android:id="@+id/cardUsdCredit"
+                android:layout_width="0dp"
+                android:layout_height="wrap_content"
+                android:layout_weight="1"
+                android:layout_marginStart="8dp"
+                app:cardElevation="1dp"
+                app:cardCornerRadius="12dp">
+
+                <LinearLayout
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:orientation="vertical"
+                    android:padding="16dp">
+
+                    <TextView
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:text="@string/balance_usd_credit"
+                        android:textAppearance="?attr/textAppearanceLabelSmall"
+                        android:textColor="?attr/colorOnSurfaceVariant" />
+
+                    <TextView
+                        android:id="@+id/tvUsdCredit"
+                        android:layout_width="wrap_content"
+                        android:layout_height="wrap_content"
+                        android:layout_marginTop="4dp"
+                        android:text="USD —"
+                        android:textAppearance="?attr/textAppearanceTitleMedium" />
+
+                </LinearLayout>
+
+            </com.google.android.material.card.MaterialCardView>
+
+        </LinearLayout>
+
         <!-- Pending Finances card -->
         <com.google.android.material.card.MaterialCardView
             android:layout_width="match_parent"
diff --git a/app/src/main/res/layout/item_foreign_limit.xml b/app/src/main/res/layout/item_foreign_limit.xml
index 67e785c..7e76177 100644
--- a/app/src/main/res/layout/item_foreign_limit.xml
+++ b/app/src/main/res/layout/item_foreign_limit.xml
@@ -12,14 +12,15 @@
         android:layout_width="match_parent"
         android:layout_height="wrap_content"
         android:orientation="vertical"
-        android:padding="16dp">
+        android:padding="20dp">
 
         <!-- Header: name + type chip -->
         <LinearLayout
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
             android:orientation="horizontal"
-            android:gravity="center_vertical">
+            android:gravity="center_vertical"
+            android:layout_marginBottom="16dp">
 
             <LinearLayout
                 android:layout_width="0dp"
@@ -31,7 +32,7 @@
                     android:id="@+id/tvLimitUserName"
                     android:layout_width="wrap_content"
                     android:layout_height="wrap_content"
-                    android:textAppearance="?attr/textAppearanceTitleMedium"
+                    android:textAppearance="?attr/textAppearanceTitleSmall"
                     android:textColor="?attr/colorOnSurface" />
 
                 <TextView
@@ -49,103 +50,19 @@
                 android:layout_width="wrap_content"
                 android:layout_height="wrap_content"
                 android:paddingHorizontal="10dp"
-                android:paddingVertical="5dp"
+                android:paddingVertical="4dp"
+                android:background="@drawable/chip_background"
                 android:textAppearance="?attr/textAppearanceLabelSmall"
-                android:textColor="?attr/colorOnSurface"
-                android:background="@drawable/pill_segment_bg" />
+                android:textColor="?attr/colorOnSecondaryContainer" />
 
         </LinearLayout>
 
-        <View
-            android:layout_width="match_parent"
-            android:layout_height="1dp"
-            android:layout_marginVertical="12dp"
-            android:background="?attr/colorOutlineVariant" />
-
-        <!-- General -->
+        <!-- ECOM bar (always visible) -->
         <LinearLayout
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
             android:orientation="horizontal"
-            android:layout_marginBottom="6dp">
-
-            <TextView
-                android:layout_width="0dp"
-                android:layout_height="wrap_content"
-                android:layout_weight="1"
-                android:text="General"
-                android:textAppearance="?attr/textAppearanceBodyMedium"
-                android:textColor="?attr/colorOnSurface" />
-
-            <TextView
-                android:id="@+id/tvLimitGeneral"
-                android:layout_width="wrap_content"
-                android:layout_height="wrap_content"
-                android:textAppearance="?attr/textAppearanceBodyMedium"
-                android:textColor="?attr/colorOnSurface" />
-
-        </LinearLayout>
-
-        <!-- Medical -->
-        <LinearLayout
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:orientation="horizontal"
-            android:layout_marginBottom="12dp">
-
-            <TextView
-                android:layout_width="0dp"
-                android:layout_height="wrap_content"
-                android:layout_weight="1"
-                android:text="Medical"
-                android:textAppearance="?attr/textAppearanceBodyMedium"
-                android:textColor="?attr/colorOnSurface" />
-
-            <TextView
-                android:id="@+id/tvLimitMedical"
-                android:layout_width="wrap_content"
-                android:layout_height="wrap_content"
-                android:textAppearance="?attr/textAppearanceBodyMedium"
-                android:textColor="?attr/colorOnSurface" />
-
-        </LinearLayout>
-
-        <View
-            android:layout_width="match_parent"
-            android:layout_height="1dp"
-            android:layout_marginBottom="12dp"
-            android:background="?attr/colorOutlineVariant" />
-
-        <!-- ATM -->
-        <LinearLayout
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:orientation="horizontal"
-            android:layout_marginBottom="6dp">
-
-            <TextView
-                android:layout_width="0dp"
-                android:layout_height="wrap_content"
-                android:layout_weight="1"
-                android:text="ATM"
-                android:textAppearance="?attr/textAppearanceBodyMedium"
-                android:textColor="?attr/colorOnSurface" />
-
-            <TextView
-                android:id="@+id/tvLimitAtm"
-                android:layout_width="wrap_content"
-                android:layout_height="wrap_content"
-                android:textAppearance="?attr/textAppearanceBodyMedium"
-                android:textColor="?attr/colorOnSurface" />
-
-        </LinearLayout>
-
-        <!-- ECOM -->
-        <LinearLayout
-            android:layout_width="match_parent"
-            android:layout_height="wrap_content"
-            android:orientation="horizontal"
-            android:layout_marginBottom="6dp">
+            android:layout_marginBottom="4dp">
 
             <TextView
                 android:layout_width="0dp"
@@ -164,22 +81,31 @@
 
         </LinearLayout>
 
-        <!-- POS -->
+        <com.google.android.material.progressindicator.LinearProgressIndicator
+            android:id="@+id/progressEcom"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:layout_marginBottom="12dp"
+            app:trackCornerRadius="4dp"
+            app:trackThickness="8dp" />
+
+        <!-- General bar (always visible) -->
         <LinearLayout
             android:layout_width="match_parent"
             android:layout_height="wrap_content"
-            android:orientation="horizontal">
+            android:orientation="horizontal"
+            android:layout_marginBottom="4dp">
 
             <TextView
                 android:layout_width="0dp"
                 android:layout_height="wrap_content"
                 android:layout_weight="1"
-                android:text="POS"
+                android:text="General"
                 android:textAppearance="?attr/textAppearanceBodyMedium"
                 android:textColor="?attr/colorOnSurface" />
 
             <TextView
-                android:id="@+id/tvLimitPos"
+                android:id="@+id/tvLimitGeneral"
                 android:layout_width="wrap_content"
                 android:layout_height="wrap_content"
                 android:textAppearance="?attr/textAppearanceBodyMedium"
@@ -187,6 +113,131 @@
 
         </LinearLayout>
 
+        <com.google.android.material.progressindicator.LinearProgressIndicator
+            android:id="@+id/progressGeneral"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            app:trackCornerRadius="4dp"
+            app:trackThickness="8dp" />
+
+        <!-- Divider (visible when expanded) -->
+        <View
+            android:id="@+id/dividerLimitDetails"
+            android:layout_width="match_parent"
+            android:layout_height="1dp"
+            android:background="?attr/colorOutlineVariant"
+            android:layout_marginTop="16dp"
+            android:layout_marginBottom="12dp"
+            android:visibility="gone" />
+
+        <!-- Expanded details -->
+        <LinearLayout
+            android:id="@+id/detailsGroup"
+            android:layout_width="match_parent"
+            android:layout_height="wrap_content"
+            android:orientation="vertical"
+            android:visibility="gone">
+
+            <!-- ATM bar -->
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="horizontal"
+                android:layout_marginBottom="4dp">
+
+                <TextView
+                    android:id="@+id/tvAtmLabel"
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_weight="1"
+                    android:text="ATM"
+                    android:textAppearance="?attr/textAppearanceBodyMedium"
+                    android:textColor="?attr/colorOnSurface" />
+
+                <TextView
+                    android:id="@+id/tvLimitAtm"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:textAppearance="?attr/textAppearanceBodyMedium"
+                    android:textColor="?attr/colorOnSurface" />
+
+            </LinearLayout>
+
+            <com.google.android.material.progressindicator.LinearProgressIndicator
+                android:id="@+id/progressAtm"
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:layout_marginBottom="12dp"
+                app:trackCornerRadius="4dp"
+                app:trackThickness="8dp" />
+
+            <!-- POS bar -->
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="horizontal"
+                android:layout_marginBottom="4dp">
+
+                <TextView
+                    android:id="@+id/tvPosLabel"
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_weight="1"
+                    android:text="POS"
+                    android:textAppearance="?attr/textAppearanceBodyMedium"
+                    android:textColor="?attr/colorOnSurface" />
+
+                <TextView
+                    android:id="@+id/tvLimitPos"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:textAppearance="?attr/textAppearanceBodyMedium"
+                    android:textColor="?attr/colorOnSurface" />
+
+            </LinearLayout>
+
+            <com.google.android.material.progressindicator.LinearProgressIndicator
+                android:id="@+id/progressPos"
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:layout_marginBottom="12dp"
+                app:trackCornerRadius="4dp"
+                app:trackThickness="8dp" />
+
+            <!-- Medical bar -->
+            <LinearLayout
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:orientation="horizontal"
+                android:layout_marginBottom="4dp">
+
+                <TextView
+                    android:layout_width="0dp"
+                    android:layout_height="wrap_content"
+                    android:layout_weight="1"
+                    android:text="Medical"
+                    android:textAppearance="?attr/textAppearanceBodyMedium"
+                    android:textColor="?attr/colorOnSurface" />
+
+                <TextView
+                    android:id="@+id/tvLimitMedical"
+                    android:layout_width="wrap_content"
+                    android:layout_height="wrap_content"
+                    android:textAppearance="?attr/textAppearanceBodyMedium"
+                    android:textColor="?attr/colorOnSurface" />
+
+            </LinearLayout>
+
+            <com.google.android.material.progressindicator.LinearProgressIndicator
+                android:id="@+id/progressMedical"
+                android:layout_width="match_parent"
+                android:layout_height="wrap_content"
+                android:layout_marginBottom="8dp"
+                app:trackCornerRadius="4dp"
+                app:trackThickness="8dp" />
+
+        </LinearLayout>
+
     </LinearLayout>
 
 </com.google.android.material.card.MaterialCardView>
diff --git a/app/src/main/res/values/strings.xml b/app/src/main/res/values/strings.xml
index 05ca83c..da55d86 100644
--- a/app/src/main/res/values/strings.xml
+++ b/app/src/main/res/values/strings.xml
@@ -95,6 +95,8 @@
     <string name="dashboard_quick_actions">Quick Actions</string>
     <string name="balance_mvr">MVR Total</string>
     <string name="balance_usd">USD Total</string>
+    <string name="balance_mvr_credit">MVR Available Credit</string>
+    <string name="balance_usd_credit">USD Available Credit</string>
     <string name="card_support_wip">Card Support</string>
     <string name="transfer">Transfer</string>
     <string name="pay_mv_qr">PayMV QR</string>