cashplus mastercard (cc) increase

katie1

Hi All,
I've had a cashplus credit card with a credit limit £500 its not maxed out but I have used it. I am paying above the min payment each month. I previously had bad credit so had this card to try and better my credit score.
what I was wondering is does anyone know if they increase balance regular or not , for example vanquis do increase after six months if good payments are made and then again every six months after that.

[Deleted User]

You'll build a much better credit file if you clear in full each month.

katie1

yes i'm going to try and do this, just use it each month and pay it straight off. but i was asking about increases .

battyboimatt

I got an increase after 6 months, from £1000 to £2000 they just sent an email out to me regarding it.

Dandytf

I've never received any rise.

Stuck@250 limit approx-3ormore years.

I don't mind though, no ddsetup though manual payments made on time with a part amount carried.

It,s my handy online groceries card though not the simplest to use at times I.e. Have to manually re enter full card details each time for online delivery.
Maybe safari/iPad/iPhone doesn't like this card where other cards store fine and can be used often.

MIKE770

been with them for 4-5 years and they refuse increase in limit stays @£250 from day one, hardly use it yet I cannot get an annual APR out of them, as we pay £15.00 per month interest regardless?

PeacefulWaters

MIKE770 wrote: »

been with them for 4-5 years and they refuse increase in limit stays @£250 from day one, hardly use it yet I cannot get an annual APR out of them, as we pay £15.00 per month interest regardless?

What does the monthly statement say about interest?

Balance.
Interest charged.
Monthly rate charged.

Stuff like that ...

[Deleted User]

Thought cc company was legally obliged to tell you APR

SnowTiger

MIKE770 wrote: »

been with them for 4-5 years and they refuse increase in limit stays @£250 from day one, hardly use it yet I cannot get an annual APR out of them, as we pay £15.00 per month interest regardless?

Cashplus has offered several products and variations on those products during its lifetime.

If you're paying £15 per month, regardless of how much you spend, I'd guess you're paying a fee instead of interest.

If I were you I'd write to them complaining they didn't answer my question about APR and ask for a copy of my contract.

Details here: https://www.cashplus.com/contact/.

Dandytf

Stuck@250 limit for a few years.
Though no DD setup as used rarely if at all.
I did call c+ once and was adivsed setup DD and use as much credit as possible.
I'll continue ri maybe use in last min groceries delivery's and make small on of debit card payments.
Think I'm sound @150is used limit approx -maybe 3quid interest per month.
Quite happy as my medium term plan is to return to main. Apr cards in maybe 3-5 years or sooner.