Credit card increases

mickthevin

Morning – we have had several increases of available credit on various credit cards in the past – can we reclaim the amount of interest we have paid in the past on the basis of non-affordability.
Although the majority have been paid we struggled at the time to do this - Thanks

[Deleted User]

No, of course not. You were not forced to spend up to your available limit.

If you cannot control your spending, lower your limits.

abz88

Not sure why you think you have a claim? A credit card limit isn't a challenge, there was no one forcing you to spend it. You also state the majority were paid but you struggled to pay, so if they were paid (struggle or not) what are you looking to claim?

SonOf

If you inform the bank that you are a vulnerable individual who cannot control their spending, the bank will note this on your file and reduce your credit facilities in future.