When will aqua increase my limit?

A4445

That's odd about then not giving you another Barclaycard. I had one and defaulted in Dec 09, they did sell the debt on to Max Recovery. I applied in October and they gave me Barclaycard initial. I have moved twice since the default or maybe their security checks are poor?

tomxlisa

Not sure but when I applied not long ago it said I was already a customer so couldn't apply again, and when I called up they said it showed up I had a previous account which defaulted so was no longer wanted as a customer basically.

m4rc

You would be better off keeping the Capital One and just making a small spend and paying off each month, closing the account won't show you can manage the credit - if your goal is to build a credit history anyway

tomxlisa

Yeah that is true about the capital one card, i just don't understand why people on here who have had accounts with barclaycard before and defaulted can get accounts again yet i cannot get one.

than_prutt

tomxlisa wrote: »

Yeah that is true about the capital one card, i just don't understand why people on here who have had accounts with barclaycard before and defaulted can get accounts again yet i cannot get one.

You can't really based your own application on other applicants' approvals/disapprovals. Lenders will (or supposed to) treat each applicant individually. That's probably why the credit eligibility checker sometimes doesn't work.

A4445

tomxlisa wrote: »

Yeah that is true about the capital one card, i just don't understand why people on here who have had accounts with barclaycard before and defaulted can get accounts again yet i cannot get one.

I agree this must be very frustrating, I should probably been declined for a Barclaycard as I defaulted with them in the past, it seems they haven't matched the old account to me I've been pretty lucky I guess. I was expecting a letter form them saying they've made a mistake and they
would be closing the account, it's been almost 8 weeks and nothing from them yet!

Andybez38

Andybez38 wrote: »

I got an increase from £900 to £1800 after 3 months. I have 1 default on my credit files.

4 months after last credit limit increase. I have now been given a new credit limit of £3000 fyi

A4445

Andybez38 wrote: »

4 months after last credit limit increase. I have now been given a new credit limit of £3000 fyi

Is that for an Aqua Card or Cap 1?

Andybez38

Its the Aqua card.

tomxlisa

Aqua seem brilliant at raising the credit limits, how long have you had that card to get to £3000?.