AIB used to up the limit automatically if you paid off your balance in full - as a 'reward' I expect. I had to ring them numerous times to ask them to stick it at a low amount as I only use it for Internet purchases and if someone gets hold of it I don't want them to get loads of dosh! I'd get rid of MBNA anyway, they annoy me with all the letters they keep sending me to become a customer...
I find this very strange to be honest, I used to work for AIB credit card customer service and if a request was made to reduce the limit on a card providing the new requested limit was less than the balance oweing then there was no problem, as my card has a zero balance I didn't think it would be a major request, I have just gotten the balance cleared and i am definatly changing as i dont want to run the risk of letting the balance go up so high again..!!
Yes it was a number of years ago for me too, in fact it was pre euro as my limit is now one of those familiar euro/iep exchange numbers...I have to admit - this was a few years ago - I havent tried to decrease it in at least 6 years.
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