Before you increase your credit card limit
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.
Information:
The limit you can get will depend on your personal circumstances, like your income, outgoings and credit file.
Apply to change your limit
If you apply to increase your limit, we’ll ask you for details of your employment, income and monthly outgoings. So make sure you have these ready.
In the Nationwide app
- Log in and choose your credit card account
- Choose Amend credit limit. Depending on your version of the app, you might need to choose More options first
- Choose Increase credit limit or Reduce credit limit
In the internet bank
Log in to the internet bank (opens in a new window), then:
- Choose your credit card account
- Choose Change your credit limit in the View accounts menu
- Choose Increase your credit limit or Reduce your credit limit
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.
We're open:
- Monday to Friday, 8am to 6pm.
- Saturdays, 9am to 1pm.
- Closed Sundays and bank holidays.