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    • PCN_advice_needed
    • By PCN_advice_needed 7th Oct 17, 2:23 PM
    • 16Posts
    • 6Thanks
    Halifax Clarity - credit limit lowered from £5000 to £500
    • #1
    • 7th Oct 17, 2:23 PM
    Halifax Clarity - credit limit lowered from £5000 to £500 7th Oct 17 at 2:23 PM
    I've had a Clarity credit card for some years, and I was surprised to see that my credit limit had been lowered by them from £5000 to £500 a few weeks ago. I use the card when abroad for cash withdrawals and paying for things as there's no transaction charges. There was a small balance on it but I paid that off pretty sharpish.

    On calling them, I couldn't get a clear answer - the person I spoke to put me on hold and spoke to the Lending department (apparently) who said it wasn't a change in my credit score with them, but it might have been something else.

    Having registered with Equifax and a couple of others to get free credit score reports they all look healthy and I'm at a loss to understand how to get the credit limit raised again - my financial circumstances and spending haven't changed radically and it's a pain because if I'm abroad for work I can rack up £1500 - £2000 in expenses pretty quickly.

    What's the best approach to finding out what data Halifax based their decision on, and if I need to what's the best way to follow the chain back to the original organisation which collected that data ?
Page 2
    • qsk
    • By qsk 10th Oct 17, 9:37 AM
    • 228 Posts
    • 125 Thanks
    Whilst not a big limit, £5000 isn't 'quite a low limit'
    Originally posted by Heng Leng
    Well, it really depends on whom you are talking to. Before you reply, check his username first
    • chattychappy
    • By chattychappy 10th Oct 17, 10:22 AM
    • 6,360 Posts
    • 3,341 Thanks

    Whilst this isn't a big issue, it isn't pointless either.
    • bigadaj
    • By bigadaj 10th Oct 17, 3:00 PM
    • 10,323 Posts
    • 6,620 Thanks
    Well, it really depends on whom you are talking to. Before you reply, check his username first
    Originally posted by qsk
    Yes, he could also be a bit of a !!!!?
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