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[annie b]

does anyone know how likely it is that i can get a credit limit increase my account has been open for 6 months and has only had 1 late payment of 2 days. at the moment the limit is only �350.

[juicyjamie18]

They won't credit check you to increase your limit, they'll look at the behaviour on your account and if you've only made one late payment that's good. So you've got nothing to lose by just ringing them and asking them to increase it. If you don't ask, you don't get :)

 

[gav9000]

If you request a credit limit increase, your lender will normally look at both your payment history with them and your general credit history. So if you have a poor credit history (usually recorded for at least 3 years with all lenders), you will score poorly. To find out how your credit profile looks, write to both Experian and Equifax (�2 fee) for your credit history. Note that this does not give you any kind of credit score, only your raw credit data. It is almost impossible to find out how lenders score you on the basis of this information, they have their own systems.