Credit limit increase question ?

cheeky-virgin

I am using 3 credit cards but their limits has not been increased since i got that, i have never missed any payment or don't have any negative on my credit file .

HSBC credit card using from Feb 2010 credit limit £500
Barclays Initial credit card Sep 2010 Credit limit £800
Capital one Sep 2012 Credit limit £200

I have never asked for the credit limit increased but expected them to review it automatocally.

Additional note my salary come into my Halifax account and i do have £1900 OD on it.

Please advice.

TrueUnitedFan

Ask them for an increase,

chanz4

are you using the 1900 OD?

cheeky-virgin

chanz4 wrote: »

are you using the 1900 OD?

Yeah using about £400 from last 2 months but pay them once my salary come in.

JoshBee25

From what you've said increasing the amounts on all three cards would be silly, unless your wage will cover it all you don't want to be in the position of paying there payments every month & using it again that's a bad cycle.

Concentrate on the card you could get the highest limit from, pay the other 2 of & close the accounts.

ps10006

you have to apply for an increase with the barclaycard, simple and easy enough if you manage your account online.

Capital one (assuming you mean sept 2011), i got my increase from £200-£500 after 6 months.... so you may find you will get a letter soon!

Not sure about HSBC.

Tixy

Do you need an increase in your limits? Are you hoping to put a purchase on one of them thats higher than the available limit you have at the moment?

Are you currently carrying balances on each card or do you pay in full each month? Are you using all 3 cards?