How can I get a credit limit increase?

SnowTiger

bris wrote: »

First you pick up the phone.

Some card providers will let punters request limit increases online, so that might be another option.

And other providers don't consider limit increases on demand.

You-kip

Dirk_Gently wrote: »

Why would someone who's clearly opposed to the very concept of credit cards be browsing and responding to post in the "credit cards" section of this forum?

You'll find posters like vassa have probably engaged in a life of being in debt before joining the forum most likely BR etc and to give them a boost they'll engage in a conversation about "why do you need credit"

vassa

Dirk_Gently wrote: »

Why would someone who's clearly opposed to the very concept of credit cards be browsing and responding to post in the "credit cards" section of this forum?

There's a very good chance OP is looking for more credit to either obtain goods they can't afford or to pay off other credit. I'm providing sound advice by telling them not to. Where's the problem? Or is this the 'only give advice if you're pro-credit card' forum?

vassa

You-kip wrote: »

You'll find posters like vassa have probably engaged in a life of being in debt before joining the forum most likely BR etc and to give them a boost they'll engage in a conversation about "why do you need credit"

Not in debt, not BR, not subsidised by parents, not subsidised by government....own my own house outright with money i earned, not borrowed. Have a second hand car that i paid for myself, have furniture that i paid for myself, have computer i paid for myself, am engaged and gave up work to study for a career change.

Why is there such hostility to someone who is trying to do people a favour? I'm here as the 'other' view, showing the flip side of the people who think getting into MORE debt is a good thing.

You-kip

vassa wrote: »

Not in debt, not BR, not subsidised by parents, not subsidised by government....own my own house outright with money i earned, not borrowed. Have a second hand car that i paid for myself, have furniture that i paid for myself, have computer i paid for myself, am engaged and gave up work to study for a career change.

Why is there such hostility to someone who is trying to do people a favour? I'm here as the 'other' view, showing the flip side of the people who think getting into MORE debt is a good thing.

I see where you're coming from but credit cards on 0% with no interest can help some people.

It's when people start using them for everyday use with no promotions on the cards like no cash back etc etc.

Anthorn

joya.lee wrote: »

I wish to Increase my credit card limit.So how should i proceed?

The first port of call is to contact the credit card company and beg for an increase. But if you're not using your current credit limit it's unlikely but not impossible that you'll get one.

The other main road to an increase is the route I took with my Aqua card: I used around 75% of my credit limit, stopped spending on the card and just made the payments on time. Lo and behold two months later my £250 limit increased to £1,050. Then I paid off the balance and continue to pay it off. It cost me a bit in interest but not really all that much.

gb12345

sharpy2010 wrote: »

HAHAHAHAHAHAHAHAAAHAHAHA!!

It makes you wonder doesn't it, how some people actually get by on a day to day basis!

Based on the OP's previous posts (which have all been deleted by the forum team), "she" is just a spammer posting to up "her" post count.

Full marks to her though for asking a question that is more "sensible" than the dribble that she normally posts - they must be teaching her well in Spammer school.

vassa

You-kip wrote: »

I see where you're coming from but credit cards on 0% with no interest can help some people.

It's when people start using them for everyday use with no promotions on the cards like no cash back etc etc.

I have no problem with people trying to reduce their debt any way they can, but a lot of people borrow for crap that they don't need, and if you can't repay one debt you shouldn't be getting more out. If it's a balance transfer or whatever then I think that's fine but I know loads of people who use debt to pay debt and get themselves into more trouble, my parents being two of them.