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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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.