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can't i get more money - please?
Member Name: alex-g
I've had a Capital One Credit card for a good few years now, and haven't had any problems with it.
I was approved about 6 years ago and was given a £200 credit limit. Not much for a credit card, but I thought it would just be a case that I kept my payments up to date and then the Credit limit would be increased, but I am still on the £200 limit.
I have phoned them a couple of times to ask if my limit could be put up, but all they say is that it is up to the Computer to automatically do it. I don't know what i'm doing wrong, as my Direct Debit comes out every month, and I pay more than the minimum. I use my card now and again (as much as you can with that kind of limit), but it never goes up. Take my wife for example. She got approved and got a £1000 limit and in her welcoming letter it stated that if she kept her nose clean for the first 3 months, then they would look to put the limit up, which they did to £1300. She's not had any further increases though.
I know the interest rate isn't good at around 39%, but to be honest my credit rating wasn't that good, but not that bad either. I was using this as a way to improve my credit, and I guess it always comes in handy for the odd £50 emergency before payday.
Anytime I have to phone them, which isn't often as I manage my account online I find the language barrier quite hard. I think they must be based in India, and although their English is pretty good, you often have to speak a bit slower and even then you may have to repeat yourself.
An alright Credit Card, if only they would put my limit up!
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