Keep track of your credit limit and how much you have available to spend. You can do this any time by registering for anytime banking or calling 0345 742 4365* (Relay UK: 18001 0345 300 4642).
If you've already gone over your credit limit make sure that your minimum payment is enough to bring you back within your credit limit, otherwise you'll need to pay more to avoid another over limit fee.
If you need a higher or lower credit limit we're happy to discuss this with you. A credit scoring system based on your current financial status is used to decide the fairest and most appropriate amount for you. If you think you'll have difficulty covering your credit card borrowings, please let us know immediately and we'll give you all the help we can.
*Lines open: 7 days a week 8am – 8pm (Automated service 24/7). Calls cost up to 10p per minute plus up to 16p connection charge from BT lines. Calls from other networks may vary. Calls may be recorded.