In most cases, checking your eligibility or viewing a recommended limit uses a soft search only, which does
not affect your credit score. If you decide to proceed and submit a full application with the bank or card
issuer, they may run a hard inquiry — this can have a small, temporary impact on your score, depending on your
overall profile and recent activity.
How can I raise my credit limit later on?
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Many issuers review your account after a few months of on-time payments and responsible usage. Paying more than
the minimum, keeping your balance well below your limit and avoiding late payments are habits that can help you
qualify for a future limit increase. Some banks also allow you to request a higher limit directly through online
banking or their mobile app.
What exactly is the APR?
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APR (Annual Percentage Rate) is the yearly cost of borrowing on your card, including interest and certain fees.
If you pay your balance in full every month, you may avoid interest entirely. If you carry a balance, the APR
determines how much you’ll pay in interest charges over time, so it’s important to review it before confirming
any offer.
Still Need Support?
If you’d like extra guidance to build your credit score, organise your cards more efficiently
or avoid unnecessary fees, you can explore our additional resources. We’re here to help you feel
confident about the card you choose.
