New Barclay's Credit Card

This is the first time I've had a credit card so this may be a silly question - applied yesterday and got accepted said my limit would be 1500£ but checked on-line today it's only 400? Will it go up when I activate my card or start repaying??


  • What does it say on your credit agreement?
  • hannah_ware
    hannah_ware Forumite Posts: 3 Newbie
    Yes mine started on £400 too and if you pay regularly it goes up every couple of months Im on £1200 now
  • Paul_1977
    Paul_1977 Forumite Posts: 992 Forumite
    I had mine a year and a half, started on £700, was £3500 when I left.
  • solentsusie
    solentsusie Forumite Posts: 576
    Tenth Anniversary 500 Posts Combo Breaker
    Mine also started at £400 the next increment up was £1200. They look at how you use your card and your repayments and increase your credit limit gradually if you have had no credit or bad credit.

    Just be responsible and then you will see increases.
  • BE95
    BE95 Forumite Posts: 24 Forumite
    Mine started on £800 6 months ago, was increased to £1200 yesterday.
    #71 : Save £12k in 2016 : £3,644 / £6,000
  • Superscrooge
    Superscrooge Forumite Posts: 1,171
    Part of the Furniture 1,000 Posts Name Dropper
    As it is your first credit card I assume you have little or no credit history?

    Any credit card company is going to be reluctant to give you a large credit limit until they have some evidence that you are a good credit risk. Usually after three months, as long as you haven't exceeded your credit limit and have always made at least the minimum payment they will increase your limit, or you can request a higher credit limit,
  • kimla10
    kimla10 Forumite Posts: 30
    Eighth Anniversary 10 Posts Combo Breaker
    i got rid of NW CC yrs ago and just used Visa Debit but forgot all about Credit Scoring. So now i have no credit history. i applied for Barclays thinking my bank wouldnt give me one as they are attached to HSBC. Lo & behold i now have 2! The Barclays is a high APR.
    should i keep both OR should i just return or destroy the Barclay's card?

  • pogofish
    pogofish Forumite Posts: 10,853
    Part of the Furniture 10,000 Posts Name Dropper
    What's the Stoozing aspect here?
  • kimla10
    kimla10 Forumite Posts: 30
    Eighth Anniversary 10 Posts Combo Breaker
    i just valued a financial opinion. sorry if that is wrong here in Stoozing.
    my apologies :(
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