You can apply to change the limit on your credit card on the Internet Bank, Banking app or over the phone.

We won’t increase your credit limit unless you ask us to. A higher credit limit could give you more flexibility. However, it may increase the risk of you taking on too much debt. This could cost you more overall, and take longer to pay off your borrowing. Consider carefully if you need a higher limit.

If you’re worried about debts, or money in general, get in touch. Find help and advice on our Money worries page.

Changes you can make

You can:

  • apply to increase the limit on your credit card
  • apply to decrease the limit on your credit card.

If accepted, you will get your new credit limit immediately. After a change to your credit limit, your account will not be reviewed for 6 months.

Information:

The limit you can get will depend on your personal circumstances, like your income and credit record.

Managing your credit limit increase notifications

We may occasionally contact you to let you know that you can increase your credit limit. It’s up to you whether you do or you don’t, and we’ll never increase your limit without your agreement. If you’d prefer us not to send you these notifications, you can let us know via the Internet Bank, Banking app, or by calling us.


Apply to change your limit

On the Banking app

Open the Banking app, then choose:

  1. your credit card
  2. Amend credit limit  on the bottom left
  3. the new limit you want, you will see the minimum and maximum limit available here
  4. Continue
  5. Confirm, after you’ve checked the summary is correct.

On the Internet Bank

Log into the Internet Bank, then choose:

  1. your credit card
  2. Amend credit card limit, on the left of the page
  3. Continue, under the option to either increase or decrease your limit
  4. the new limit you want, you will see the minimum or available limit to you here
  5. Continue
  6. Confirm, after you’ve checked the summary is correct.

Phone

Have your credit card details available, then call 03456 00 66 11 and apply to increase or decrease your credit limit.

We’re open

  • Monday to Friday 8am to 8pm
  • Saturday 8am to 8pm
  • Sunday 9am to 5pm