Credit Limit Increase

james_williamson_6544

Hello
I have two credit cards - however the one with Asda is no longer working (due to Asda and Creating having their mutual agreement completed) and I want to get that cancelled.
The other credit card is my main credit card and has a low utilisation of 3-4% of this card credit limit for the last 3-4 months.
I now have an expense of 1.2 times my main credit card limit. I spoke to the credit card provider and they say there is no offer on my account to increase credit limit.
I can pay through debit card but wanted to take benefit of credit card cashback or points scheme
My Equifax score is above 515 (out of 599)
I pay in full every month.
My total credit limit on Asda and main credit card is just under 15% of my gross annual salary (before tax, NI, pension deductions).
What are my options please?
- Cancel Asda credit card and then speak again to main credit card provider
- Apply for a third credit card
- Pay via debit card, and forget any cashback/points benefits
- Other

james_williamson_6544

The expense of 1.2 times my main credit card limit is due in couple of weeks and I don't need any Section-75 protection. So use of debit/credit is purely based on cashback/points reward.

D3xt3r5L4b

1. Ignore the score. It means nothing.

2. Apply for another card if you want but there’s not guarantee what the limit will
be