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 reduce the limit on your credit card.

If accepted, you'll get your new credit limit immediately. But once your credit limit has changed, you'll have to wait 6 months before you can apply to increase it. You can reduce your credit limit at any time.


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

Apply to change your limit

On the Internet Bank or Banking app

Log into the Internet Bank (opens in a new window), or open the Banking app, then:

  1. Choose your credit card account
  2. Choose Change credit limit in the View accounts menu in the Internet Bank, or the options menu in the Banking app
  3. Choose either Increase credit limit or Reduce credit limit

To increase your limit, you'll need to fill out details on:

  • your employment
  • your income, and
  • your monthly outgoings.

You'll tell us the new credit limit you want. We'll then let you know if we can accept your request.

Need more help using our Banking app? Watch a demo on how to change your credit limit (opens in a new window).

Over the phone

If you're not registered for online banking, you can give us a call.

Have your credit card details to hand. Then call 03457 30 20 10 and apply to change your credit limit.

You'll also need details about your income and monthly outgoings, if you want to increase your limit.

We're open:

  • Monday to Friday, 8am to 6pm.
  • Saturdays, 9am to 1pm.
  • Closed Sundays and bank holidays.