C
c02
Guest
I have two cards: MBNA platinum with 5k limit and Halifax Visa with just 1k.
I wanted to ditch the MBNA card and transfer a small balance (~900) to Halifax. Do achieve this I asked Halifax to double my 1k limit and they refused! Not only that, but they said don't bother ringing back for another SIX months!
I'm 30, I take home >3k per month (straight into a Halifax current a/c), and have built up an excellent credit history from a term loan with BOI (repayments of 380 p/month).
Even though I would prefer to use the Halifax card, their impractically low limit makes it impossible to use for work travel, flights, holidays etc.
I was genuinely shocked they would refuse me a 2k limit, and they won't say why? My best guess is that my use of their card has been very light -- too light for them to judge my credit worthiness?
I wanted to ditch the MBNA card and transfer a small balance (~900) to Halifax. Do achieve this I asked Halifax to double my 1k limit and they refused! Not only that, but they said don't bother ringing back for another SIX months!
I'm 30, I take home >3k per month (straight into a Halifax current a/c), and have built up an excellent credit history from a term loan with BOI (repayments of 380 p/month).
Even though I would prefer to use the Halifax card, their impractically low limit makes it impossible to use for work travel, flights, holidays etc.
I was genuinely shocked they would refuse me a 2k limit, and they won't say why? My best guess is that my use of their card has been very light -- too light for them to judge my credit worthiness?