if you've been hit with over limit fees, it will impact your ability to get an increase. It's seen as a red flag that you can't manage your finances.instead of paying 'over limit fees' every month
Doesn't sound like a very prudent budgeting strategy.Note: the Credit card is paid fully every month since the start 20+ years ago , my partner has a supplement Card so the card is being used by both of us for ease of budgeting .
Now I need to increase the limit again with at least 5K instead of paying 'over limit fees' every month
I tried to increase the limit on the app , I got this message : "It is not possible to provide you with an increased limit at present"In you AIB app, there is a section to request for increase. You should note if you ask for a big increase suddenly, they won't give it to you, you can request for increase every 6 months, but in smaller increment (no hard and fast rule but I've been using 750 to 1K every time I request).
I've been doing that for a few years, for the "just in case" situation when I need it.
If you have the funds, I'm wondering why you don't just use a debit card? You never have to worry about repayments then..Note: the Credit card is paid fully every month since the start 20+ years ago....Combined salary can well cover the Credit card limit .
yes i have one of those with a much higher limit, id imagine its easier get a higher limit on a platinum card and the min criteria arent highI opened a platinum card a few months ago and got the 15K limit without specifying any I wanted, just asked for platinum card. I have no debt but also keep little money in my accounts as I move it elsewhere. Was quite surprised by the ease of getting that as I just applied on the app and that took 2 mins.
Is there higher limit card than the platinum ?yes i have one of those with a much higher limit, id imagine its easier get a higher limit on a platinum card and the min criteria arent high
No I have a platinum with a higher limit than 15k is what I meant.Is there higher limit card than the platinum ?
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