Barclaycard Credit limit

VXman

I use my Barclaycard Rewards Credit card for my spending abroad as it gives me 0.25% cash back as well as being no fee and good for ATM withdrawals.

However I have a rather small credit limit. £3000. When I am travelling I often get to my limit before payment day and then have to pay it down to create more room for spending. 

I have asked for an increase a couple of times but always get refused. I have a good income, good credit score and always pay all my bills on time. I have had the card for a long time.

Any ideas on how to get Barclaycard to increase my limit? 

Uriziel

How long have you had the card?

Emmia

VXman said:

I use my Barclaycard Rewards Credit card for my spending abroad as it gives me 0.25% cash back as well as being no fee and good for ATM withdrawals.

However I have a rather small credit limit. £3000. When I am travelling I often get to my limit before payment day and then have to pay it down to create more room for spending. 

I have asked for an increase a couple of times but always get refused. I have a good income, good credit score and always pay all my bills on time. I have had the card for a long time.

Any ideas on how to get Barclaycard to increase my limit? 

Barclaycard can be quite stingy with their limit. Ultimately you may want to consider a second card with rewards with a different provider and then split your spending across multiple cards 

Isthisforreal99

Emmia said:

VXman said:

I use my Barclaycard Rewards Credit card for my spending abroad as it gives me 0.25% cash back as well as being no fee and good for ATM withdrawals.

However I have a rather small credit limit. £3000. When I am travelling I often get to my limit before payment day and then have to pay it down to create more room for spending. 

I have asked for an increase a couple of times but always get refused. I have a good income, good credit score and always pay all my bills on time. I have had the card for a long time.

Any ideas on how to get Barclaycard to increase my limit? 

Barclaycard can be quite stingy with their limit. Ultimately you may want to consider a second card with rewards with a different provider and then split your spending across multiple cards 

Second this and you should always have another back up card anyway 'just in case'.

Desmond_Hume

If Barclaycard don’t want to increase your limit, nobody here giving you hints like applying when there is a full moon will help. 

Lloyds Ultra CC gives 1% back just now, with the same no fees etc. Try that one. 

mta999

I agree - 0.25 is quite stingy - Lloyds gives 1% (for a year)

Marksfish

I have a Halifax card for spending abroad as it is a Mastercard, and usually a slightly better exchange rate given. I use my Barclaycard for ATM withdrawals abroad only, usually.

Maegi

mta999 said:

I agree - 0.25 is quite stingy - Lloyds gives 1% (for a year)

1% is a temporary loss leader.  Lloyds offers an identical amount after that initial year.

If Barclaycard are not meeting your needs look elsewhere and see if another provider has a better deal - quite a number of providers now a forex free credit card.

Nationwide, Chase and Virgin Money also have some interest free spending offers on top too.

dumpster_fire2025

Maegi said:

mta999 said:

I agree - 0.25 is quite stingy - Lloyds gives 1% (for a year)

1% is a temporary loss leader.  Lloyds offers an identical amount after that initial year.

If Barclaycard are not meeting your needs look elsewhere and see if another provider has a better deal - quite a number of providers now a forex free credit card.

Nationwide, Chase and Virgin Money also have some interest free spending offers on top too.

Temporary, for a year. So why would they not go with that for a year?

Marchitiello

Barclaycard used to be more generous before the COVID crisis. It used to be my highest credit limit card (and the oldest credit account I have, over 25 years) but during covid they more then halved my limit. I have since converted the account to be the Avios card account and put some spend on it, which resulted in two Credit Limit increases within 6 months, but still nowhere close to my previous healthy 5 digits limit.

OP, do you have high limits with other cards already? This may be one of the factors stopping you having limits increases. 

Nasqueron

Marchitiello said:

Barclaycard used to be more generous before the COVID crisis. It used to be my highest credit limit card (and the oldest credit account I have, over 25 years) but during covid they more then halved my limit. I have since converted the account to be the Avios card account and put some spend on it, which resulted in two Credit Limit increases within 6 months, but still nowhere close to my previous healthy 5 digits limit.

OP, do you have high limits with other cards already? This may be one of the factors stopping you having limits increases. 

It's entirely depending on your credit history and how they rate your behaviour. I have only ever had limit increases with Barclays well into 5 figures. It is the largest I have by about 5k