Switching Credit Cards

[horusd]

I recently asked ( and was refused) an increase in credit limit fro p/tsb my main bank. I have a nominal credit amount (€3500). I pay it off in full every month, and I always have. The reason I asked for an increase was for convenience on a planned holiday. No reason was given by p/tsb although they did assure me they would phone me after I applied. I was just issued with the standard letter declining the increase. I complained 2 the local manager not so much about the refusal, but the method of refusal and the failure 2 make the promised call. Never heard anything back. From looking at applications online 4 credit cards, it looks like u have 2 apply first, before u know what the limit will be. Am I right in this? Is there a way of asking for credit limit amount without going thro the hoops of an application? Anyone experienced in this area?

 

[Willy Fogg]

Most, if not all, card issuers will only decide on the limit when your application has been approved.

 

[Crunchie]

Some cards, e.g. the UB Zinc Mastercard offer a minimum credit limit (in the case of the UB card it's €5000). There's usually criteria such as a minimum salary in order to qualify but it might be an option for you

 

[horusd]

Thanks all. I don't want 2 go thro hassle of "applying" if it's not what I want. I have an a/c with ulster tho, so I might check em out and see if they can give me an answer b 4 they issue the card.