Asking to match a credit limit?

bwgames

I currently have a Amazon card with an £1800 limit (they upped it last month from £1300, opened may 06), that I want to close, to reduce the amount of cards and credit I have.
I also have an MBNA card (opened in Dec 06) with a £1000 limit. Is it worth me explaining that I'm closing the Amazon card to MBNA, and that I'd like them to match my £1800 limit? Does this work? I'm looking at the "request online credit increase" thing on the MBNA site, but wondering if I'd have better luck phoning them?

At the moment, I've got a £500 balance transfer (0% until Dec) that I'm making minimum payments on with the MBNA card. I've got the money to pay it off, I'm just keeping it in a savings account until Dec, so I'm worried that MBNA might look at my account, see I've made nothing other than minimum payments and decline the increase?

Bokkens

bwgames wrote: »

At the moment, I've got a £500 balance transfer (0% until Dec) that I'm making minimum payments on with the MBNA card. I've got the money to pay it off, I'm just keeping it in a savings account until Dec, so I'm worried that MBNA might look at my account, see I've made nothing other than minimum payments and decline the increase?

I think you are probably right.
I would phone them for an increase they may still say no.
In my experience these requests tend to take time unless you are joining the credit card for the first time and they then try and load you with higher limits.
I would wait or try not to request a limit at all and use your savings first.
shop around there are other cards.

Treadstone009

I was making minimum payments for about 18 months on a couple of cards and they increased the limits by a couple of thousand