Halifax credit limit increase query

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jay78
jay78 Posts: 376 Forumite
in Credit cards
Does anybody know if Halifax does a credit check if you request a credit limit increase?

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  • Gavoo7
    Gavoo7 Posts: 14 Forumite
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    I'm pretty certain that they do as at the end of credit increase request, it states that they will perform a credit search.
  • starM
    starM Posts: 1,464 Forumite
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    From my experience no credit check is applied. They have a pre-approved limit running in the back ground which you won't know until you apply for it.

    We held number of LBG card Lloyd's Halifax and BOS between me and my other half and credit check never been applied on limit increase.

    Also if you limit is 6k and you apply for 10k they will tell immediately how much they can offer you or they will reject straight away.
  • bengalknights
    bengalknights Posts: 5,021 Forumite
    First Anniversary First Post
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    It depends if its via the site they base it on internal records
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