
How to Borrow XL Credit – Even though everything is online nowadays, from sending messages, phone calls, to video calls, you definitely have to use credit.
In an emergency, credit is one of the most important things to communicate quickly when compared to using an internet data package.
You can also directly call or text someone without having to use a strong signal, such as in some places that are difficult to reach.
Usually, some starter card users rarely pay attention to the validity period of the starter pack they are using so that the card is in a grace period.
This usually also causes the starter pack used to die or can no longer be used even if you top up your credit or internet quota.
If you experience this, XL has a standby credit or emergency credit that you can borrow and use in times of emergency.
This method is a very appropriate solution if you do not have credit, do not have money, or have not been paid.
Discussion on How to Borrow XL Credit
XL is one of the most widely used operators or providers in Indonesia.
Even though the selling price of the package in the market is quite expensive, it is not a problem for XL users.
This is because most parts of Indonesia have networks or towers installed in each village, sub-district or city.
In addition, when compared to other operators or providers, XL has a fairly stable network.
This is a positive value for XL providers, even though the price of pulses or internet packages is quite expensive.
Even so, you can borrow emergency credit or standby credit if you are in a hurry or in a very emergency situation.
Want to know how? You can see it in the review on how to borrow XL credit below.
How to Borrow XL Credit
1. Terms and Conditions for Borrowing XL Credit
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| Terms and Conditions for Borrowing XL Credit |
Actually, you can also use this method if you are an Axis provider or operator user who wants to borrow standby or emergency credit.
Before you can borrow and activate XL standby or emergency credit, make sure that the cellular card you are using has met the terms and conditions below.
- The card you are using is a prepaid XL card, not a postpaid one.
- Already registered XL card in accordance with applicable government regulations.
- The XL card used has been active for at least 2 months or 60 days.
- The card you are using has topped up at least three times in the last 60 days.
- If you have borrowed emergency credit before, make sure you have returned the credit loan by reloading.
2. How to Borrow XL Credit or XL Emergency Credit
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| How to Borrow XL Credit or XL Emergency Credit |
Like other credit borrowing methods, the method is actually not much different from borrowing credit from a provider or operator Telkomsel, 3, and many more.
There are several ways you can use if you want to borrow emergency credit or XL standby credit.
Besides being easy and fast, the method is not too difficult and makes you confused.
If you have met some of the conditions that we provided in the previous review, you can borrow emergency credit if you are in an urgent situation.
Come on, see how to borrow XL credit or XL emergency credit as follows:
A. Via SMS
Here’s how to borrow XL credit or XL emergency credit via SMS as below:
- First, you need to make sure that you have a minimum remaining balance of IDR 1,000-2,000.
- Open the messaging app on your phone
- Then, type SPECIAL or EMERGENCY.
- After that, send it to 911.
B. Via Code Dial or UMB
Apart from SMS, you can also use the dial code or UMB.
As for how to borrow XL credit via the Dial code or UMB as follows:
- The first step, open the cellphone you are using.
- Then, open a phone call or keypad.
- After that, type the dial code *911# or *123*9110#.
- Then, click OK/YES/Call.
- Wait until a pop up menu option appears.
- Then, follow the steps shown on the screen.
- When it’s finished, a notification will appear if the emergency credit you submitted has entered and you can use it.
The final word
That’s a little information that we can provide for those of you who want to use emergency pulses or standby pulses like the review above.
You can choose one of the methods above and follow the steps above correctly and carefully so that you can do it successfully.
In addition, you can also use the above method if you are a user of an Axis provider or operator.
Before you apply for an emergency credit loan, make sure you meet some of the terms and conditions that you must comply with.

