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Credit Cards

How can I increase or decrease my credit limit?

Requesting an increase is easy, you can do this in the comfort of your home by logging into Online banking or our app. 


Approval of any credit limit increase depends on your circumstances. By requesting a credit limit increase you are authorising us to review your credit history and any other relevant information required to process your request, which will not impact your credit score. Requests should be avoided if:


  • Your credit limit has changed in the last 10 months (increase or decrease)
  • You’ve had your credit card for less than 6 months
  • You have more than one credit card in your name
  • You’re over your current credit limit
  • You are in arrears and with our collections team (due to outstanding payments)


Please carefully consider any increase to your credit limit as it may increase the risk of taking on too much debt, which may be costly or take a long time to pay off.


Decreasing your credit limit can be done just as easily by logging into our mobile app and heading to the 'Account Management' section. You can decrease you credit limit at any time, and the request will not impact your credit score. The minimum that you will be able to decrease your limit to is £250, or 105% of your current balance. You will not be able to complete credit limit decrease using online banking.


Hi @Delboy52, I'm sorry to hear that! I'm afraid I'm unable to check this for you here, however if you get in touch with our Credit Card team on 0345 300 4278 (24/7) one of our advisers will happy to attempt to increase your limit and we'll be able to troubleshoot this for you. I hope this helps!


Thanks for the reply.If I do this will it impact on my credit file? Also on some of the Mod replies to other members they say not to apply for any credit card limit increases if you have more than one card, which is confusing. Thanks

We perform a soft search, therefore this won't appear on your credit file. You can certainly still request an increase on your credit card(s), even if you hold more than one. 


 Thanks Ainsleyc, you've been very helpful 

No problem, @Delboy52! Happy New Year when it comes :)!