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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.


That's poor and certainly not professional,i shall close my account,what an awful wayvto treat customers

I'm sorry you feel that way. The reason for this is because there are a number of reasons that your credit limit increase could be revoked. Since you could, for instance, go over limit at any time this could cause us to revoke the increase and we would send out a letter to let you know.

My balance is down to zero, they won't issue a new card and I'm not wasting money on phoning to close the account, so when they get bored and it lapses, you can close my account.

Hi there, I'm sorry about that, @hornetgags. I can see that we have previously confirmed different ways to close your card. Please note, all of our contact numbers are charged at a local landline rate and may be inclusive in your free minutes provided by your network. If you'd like me to check if your account is still open, please message me at @CET confirming your full name, DOB and postcode.

Well my due increase is Friday I have received no letter as of yet would it be fair to say it's going ahead a per letter

Hi @Lillyloo, it's likely that the letter would have arrived by now, however we can't guarantee this. If you'd like to double check that the credit limit increase is going ahead, it would be best to give us a call tomorrow on 0345 300 4278 (24/7) and my colleagues will help you further - Caroline