Can I request a specific credit limit?

Your credit card issuer will normally set a credit limit for you based on your application details, credit scoring and credit rating.

If you have an excellent credit rating with a history of paying on time – you are likely to be offered a far higher credit limit than someone who has had financial problems in the past.

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Am I Eligible To Apply For A Card?: If you meet the following criteria then you are eligible to apply for a credit card in the UK:
How do I make Cash withdrawals?: You can withdraw cash from any cash machine, just like you can withdraw cash from your own bank account.
How much can I Balance Transfer and how long does it take?: Most credit card companies will only allow you to make a minimum of £100 balance transfer either from or to your credit account, because of the administration involved.
My Credit Card is lost or stolen. What should I do?: If you cannot find your credit cards you need to report them as lost or stolen using the emergency number provided by your credit card issuer, this will be a 24 hour/365 days a year number. If you have more than one credit card you will need to ring all the separate companies.
What is Sentinel® Card Protection Insurance?: Losing your credit cards or having them stolen can be a real inconvenience, not to mention a worry – especially if you’re abroad. The Sentinel® Card Protection scheme takes all the worry away, and with just one free phone call from anywhere in the world Sentinel® will immediately inform all your card issuers that you need replacement cards should they be lost or stolen.

Your credit limit details will be included along with your credit card in the post – and if you then wish to lower or higher the credit limit you will need to discuss this direct with your credit card issuer. There should be no problem with performing this adjustment if you want to lower your credit limit, however if you need to raise the limit then they will need to carry out further assessments as their initial judgement will have been to only offer you a certain amount. If you have a particular reason for this adjustment, i.e. an expensive holiday, then tell the credit card company as this will be a more reasonable explanation than just because you think you might need more than the agreed limit. You may find that your credit card issuer will no consider an increase until they have had a chance to see how you maintain your account.