Geo Posted November 2, 2011 Share Posted November 2, 2011 Doing a bit of Banking lately, and wanted to increase 1 of my credit cards by £450 to a round 3k limit. So phoned up and said i'd like to increase my Limit please by £450. The girl said hold on. She came back to me and said im sorry we can't do this for you, your not permitted to increase your limit until ?? Wait for it, Wait.... April 2013 What the Heck is that all about??? I've never missed payments on any of my 2 cards, one has very little on it, my credit rating is Great, and a healthy wage to add to it. Im inclined to phone up, cancel the bugger and go for a better offer on another card. Fuds!!! Rant Over............... Quote Link to comment Share on other sites More sharing options...
tony tt Posted November 2, 2011 Share Posted November 2, 2011 What banks it with bud? Quote Link to comment Share on other sites More sharing options...
ripped_fear Posted November 2, 2011 Share Posted November 2, 2011 Do as you say mate just cancel and take a better one out, they should be begging for you business not acting like that. Quote Link to comment Share on other sites More sharing options...
Geo Posted November 2, 2011 Author Share Posted November 2, 2011 What banks it with bud? RBS mate. Really hacked off. Do as you say mate just cancel and take a better one out, they should be begging for you business not acting like that. Dam right, there is some Great offers on at the moment, 17-22 months interest free, on balance transfers etc, Quote Link to comment Share on other sites More sharing options...
johnny g Posted November 2, 2011 Share Posted November 2, 2011 Get one that gives you rewards. I pay mine off in full every month and have the Virgin one, which rewards in Virgin miles. Pays off, as I've just got £900 off my flights to Vegas next year Quote Link to comment Share on other sites More sharing options...
Geo Posted November 2, 2011 Author Share Posted November 2, 2011 Get one that gives you rewards. I pay mine off in full every month and have the Virgin one, which rewards in Virgin miles. Pays off, as I've just got £900 off my flights to Vegas next year virgin miles i dont bother about, Lindsay is cabin crew for Thomson, so we get like holiday's including flights for like £300 each anywhere, i'll do a bit of digging and see whats the best cards out there at the mo. cheers bud Quote Link to comment Share on other sites More sharing options...
Abz Posted November 2, 2011 Share Posted November 2, 2011 I had the same problem when I lost my card whilst working in Zurich & needed to up the limit on my Barclay card. Dispute a £5k increase in my salary than what they had on their system & never missing a payment also having a good rating, they couldn't add £500 to the card & I had to wait... wait for it, wait for it.... 30 days! Though as soon as I was back in the UK, I told them they won't need them no longer, they offered to increase it but I told them I don't need it anymore so what's the point. Quote Link to comment Share on other sites More sharing options...
tony tt Posted November 2, 2011 Share Posted November 2, 2011 Try Lloyds mate there pretty good it was just a phone call for me before and they upped it first time bud no hassles. Quote Link to comment Share on other sites More sharing options...
Scott Posted November 2, 2011 Share Posted November 2, 2011 I ordered a credit card from RBS 2 days ago. They gave me an instant limit of £9850 You must be a shady character. Quote Link to comment Share on other sites More sharing options...
Geo Posted November 2, 2011 Author Share Posted November 2, 2011 I ordered a credit card from RBS 2 days ago. They gave me an instant limit of £9850 You must be a shady character. is that not your first one though?? my other card has a 10k limit on FFS. This one i cancelled was my toy account, need to find another now. Me shady??? Mmmmmmm Yup!! lol Quote Link to comment Share on other sites More sharing options...
Scott Posted November 2, 2011 Share Posted November 2, 2011 is that not your first one though?? my other card has a 10k limit on FFS. This one i cancelled was my toy account, need to find another now. Me shady??? Mmmmmmm Yup!! lol It's my only one at the moment. I got rid of what I had previously. One of my cards was up at 20 odd K at one point. I think I was a grand into it. They just kept bumping it up for no apparent reason. Quote Link to comment Share on other sites More sharing options...
Geo Posted November 3, 2011 Author Share Posted November 3, 2011 It's my only one at the moment. I got rid of what I had previously. One of my cards was up at 20 odd K at one point. I think I was a grand into it. They just kept bumping it up for no apparent reason. Yeah im down to one also now, wonder if its all to do with how the banks are lending these days, or not so to speak??? Quote Link to comment Share on other sites More sharing options...
Scott Posted November 3, 2011 Share Posted November 3, 2011 Yeah im down to one also now, wonder if its all to do with how the banks are lending these days, or not so to speak??? I got another 2 offers in yesterday.... Tesco - £3890 (where the hell do they pull these figures from?) M&S - £TBA I phoned up M&S to see what the script was there. They sent out an agreement for me to sign without any limit figure in place. They then crypically asked how much I was looking for. I said 5k minimum. They said the best they could offer would be 4k but they would up it after 3 months of payment. I called up Tesco asking the same, £5k, and they said that it would be 6 months before I could up it. Quote Link to comment Share on other sites More sharing options...
Guest petersjohn Posted November 3, 2011 Share Posted November 3, 2011 Apply for 3-4 credit cards so this issue never arises, and if your credit rating is good bank will automatically increase your limits, banks have lot of money to give for reputed customers good luck Quote Link to comment Share on other sites More sharing options...
Geo Posted November 3, 2011 Author Share Posted November 3, 2011 Losing the Will to Live now, so on that note............. Quote Link to comment Share on other sites More sharing options...
Josh Posted November 3, 2011 Share Posted November 3, 2011 I've got a credit card with Nationwide with a £1,500 limit on it. I only use it to pay for fuel for the Supra and pay it off each month (to get a good credit rating when I go to buy a house) and they've just sent me a Platinum card through with a £2,000 limit, not that I'll use anywhere near that anyway! Sucks for you, man! Quote Link to comment Share on other sites More sharing options...
TubbyTwo Posted November 3, 2011 Share Posted November 3, 2011 Took a virgin card out last month very helpfully they gave me a £12k limit. along with my other 3 cards I could easily spend myself into £40k of debt. crazy. Thank fully aside from £1k on one they are all clear. Quote Link to comment Share on other sites More sharing options...
tbourner Posted November 3, 2011 Share Posted November 3, 2011 For some reason I used to have a Lloyds platinum card with a £16k limit. They wrote to me one day saying it was being lowered to £3200, oh well. Quote Link to comment Share on other sites More sharing options...
Matt H Posted November 3, 2011 Share Posted November 3, 2011 JC! 20k credit limit on a card!!! now that's dangerous territory! Quote Link to comment Share on other sites More sharing options...
kwalker705 Posted November 3, 2011 Share Posted November 3, 2011 have a look at tesco's credit cards Geo. I managed to get one with a 5k credit limit and 13 months interest free credit too. Only took 5 minutes to fill out an online form then a quick registration call when the card arrived and that was it sorted. you even earn club card points from it Quote Link to comment Share on other sites More sharing options...
gavin.starr Posted November 3, 2011 Share Posted November 3, 2011 There a slippy slope though if you get carried away. Quote Link to comment Share on other sites More sharing options...
jonathanc Posted November 3, 2011 Share Posted November 3, 2011 There a slippy slope though if you get carried away. This is very true. I used to have a card with no credit limits but I've cancelled that due to this reason. ALthought saying that, it really built up my credit rating! Some people with card limits as bragging rights but it is just an easy way to get yourself into a mountain of debt. Quote Link to comment Share on other sites More sharing options...
tomgeer Posted November 3, 2011 Share Posted November 3, 2011 This is very true. I used to have a card with no credit limits but I've cancelled that due to this reason. ALthought saying that, it really built up my credit rating! Some people with card limits as bragging rights but it is just an easy way to get yourself into a mountain of debt. And thats why i'm too scared to have anything but a debit card Quote Link to comment Share on other sites More sharing options...
Supranature Posted November 3, 2011 Share Posted November 3, 2011 And thats why i'm too scared to have anything but a debit card Me too. Never had a credit card or felt the need/urge to, although I get them offered to me frequently! Quote Link to comment Share on other sites More sharing options...
TubbyTwo Posted November 4, 2011 Share Posted November 4, 2011 Some people cant control their spending tho, and thats who CCs are aimed at most of the time. Saying that all mine will be gone before I get a supra, otherwise the temptation to raid the whifbitz website will be too large Quote Link to comment Share on other sites More sharing options...
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