Aqua

vintagegirl

im thinking of just rejecting the increase and closing. i know what you guys mean, theyre probqbly thinking JACKPOT HHAHA

alfred64

They love customers who carry a balance @ 45.9% int.
Some of you will be applying for payday loans next - and rolling those over, too.
Remember, credit building cards are for just that - and NOT for accumulating debt.

rartherinv

Is this OP's only credit card though? if she is credit building for clean credit next year then closing the only credit card might not be in her interests.

If it was me I would accept their slimey offer and pay off the £500 owed asap so they would not make any money at all from me and the bigger limit and low ratio of borrowing would gleam on my file.