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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 6 months (increase or decrease)
  • You’ve had your credit card for less than 6 months, however after your June 2017 statement date is issued this changes to 6 months
  • 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.

Comments
Heathertoes

I am sure that I am due an increase in my credit limit and it was due today but nothing has happened, how long does it normally take to go through?

Debbzzee

 Hi Ross 

I can confirm the letter stated it would be increased on the 4th February 2018 

 Hope that helps 

Thanks 

Thanks for getting back to us @Debbzzee. I've checked and a letter should've been with you by now to confirm why any proposed increase didn't go ahead. If you call our team directly on 0345 300 4278, available 24/7, they can check into this for you.

 

As for when increases go through @Heathertoes, it can happen at any time on the date outlined on your letter. If the day has passed and no increase is showing on your account, call us on the number mentioned above and we can help.

Debbzzee

Thank you for your reply.

I will follow it up 

Debbzzee 

Heathertoes

It never increased automatically so I just applied for it through the App and it went through fine, for info though my date was also the 4th February not the 14th as I mentioned.  

 

Montanasmith82

I got a letter recently saying the same, but can’t find the letter.

 

can my account be checked to see when my increase will go through.

 

sorry for jumping on this post.

Hi @Montanasmith82, I've replied to your other post.

28DLD

Received a letter 6 weeks ago stating my credit limit would be increased on 31st August unless I received a letter stating otherwise. Today, no limit increase and no letter stating it would not happen. Not good service!!!!

Debbzzee

@Nick_F wrote:

Requesting an increase is easy, you can do this in the comfort of your home by logging into Online banking or our app. 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 6 months (increase or decrease)
  • You’ve had your credit card for less than 6 months, however after your June 2017 statement date is issued this changes to 6 months
  • 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 I received a letter a few weeks back saying mine was increasing on the 2nd of September. Least see if it happens. A while back they did this I got a letter and the increase bit not on the date they stated and I don't think this one will be in on the 3nd either. I just think it's when they get the time to do it really. But will see 

 

Hi @28DLD, can I just double check that the date was definitely August? I wasn't aware of any increases happening in August and the next date was September.