Increase or decrease your credit limit

Increase or decrease your credit limit

You can ask us online to increase or decrease your credit limit.

Let us know your preferred limit and we’ll aim to give an instant decision online. If we can’t, we’ll let you know, usually within 24 hours. Your credit limit will be updated as soon as a decision is made.

There are a few things you need to know about credit limit changes. Once you're happy you know them, head to the quick guide on how to request your credit limit change.

Things you need to know

  • You can request a decrease in your limit whenever you want, as long as your new limit isn’t below the balance still outstanding on your account plus a level of future spending
  • We can only increase your credit limit if it's been at least four months since your last credit limit increase or at least six months since a credit limit decrease. Make sure you ask for the full amount you think you'll need so you don't have to wait to ask again
  • We make decisions on credit limit increases based on information we already hold on you from credit reference agencies and how you’ve used your Barclaycard in the past. Your credit file won’t be searched unless you give us approval to do so
  • If we're not able to offer you the full amount of any credit limit increase you ask for, we could still offer a smaller increase. This will be the highest we can offer you
  • If you’re not eligible for a new credit limit but your situation changes, we’re happy to look at a new request if at least one month has passed since your request. If you are eligible for a credit limit increase, you need to wait until at least four months have passed before requesting another increase

Quick guide

  • Step one – log in to your account and click the 'Accounts & Services' tab
  • Step two – click ‘Change your credit limit’ and tell us the new limit you’d like then enter employment and income details
  • Step three – submit your request and we’ll aim to give you and instant decision
Log in to change your credit limit