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  • FIRST POST
    • jay78
    • By jay78 11th Jul 17, 1:37 PM
    • 375Posts
    • 41Thanks
    jay78
    Halifax credit limit increase query
    • #1
    • 11th Jul 17, 1:37 PM
    Halifax credit limit increase query 11th Jul 17 at 1:37 PM
    Does anybody know if Halifax does a credit check if you request a credit limit increase?
Page 1
    • Gavoo7
    • By Gavoo7 11th Jul 17, 3:43 PM
    • 9 Posts
    • 7 Thanks
    Gavoo7
    • #2
    • 11th Jul 17, 3:43 PM
    • #2
    • 11th Jul 17, 3:43 PM
    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
    • By starM 12th Jul 17, 9:42 AM
    • 1,291 Posts
    • 174 Thanks
    starM
    • #3
    • 12th Jul 17, 9:42 AM
    • #3
    • 12th Jul 17, 9:42 AM
    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
    • By bengalknights 12th Jul 17, 9:57 AM
    • 4,041 Posts
    • 1,479 Thanks
    bengalknights
    • #4
    • 12th Jul 17, 9:57 AM
    • #4
    • 12th Jul 17, 9:57 AM
    It depends if its via the site they base it on internal records
    • Terriixx
    • By Terriixx 13th Jul 17, 10:59 AM
    • 44 Posts
    • 174 Thanks
    Terriixx
    • #5
    • 13th Jul 17, 10:59 AM
    • #5
    • 13th Jul 17, 10:59 AM
    I recently upped my limit, from £4,000 to £14,500 and there hasn't been anything showing on my Credit Report.

    Strangely I'd only had the card for 6 months before they allowed me to up the limit that much. And my annual salary is only £15,270!!
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