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No, I just want a better APR as there might be that one month when I want to carry a balance over, also I want a higher limit as I am forever topping it back up as I mainly only use my credit card now, if I had a better limit I could use it and just pay back at the end of the month without all the topping up hassle.0
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If you've had your credit card for some time, why not ask them (after the three months are over) if they can increase your limit. You may get that increase without having to apply for another card. Generally you can do this every 6 or so months.0
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