In most cases, checking your eligibility or viewing a suggested limit uses a soft search only, which does not
affect your credit score. If you go ahead 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.
How can I raise my credit limit later on?
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Many issuers review your account after a period of responsible use. Paying on time, keeping your balance below
your limit and avoiding late fees are good signs when you request a higher limit. Some providers let you request
an increase directly through their app or online banking.
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 clear your balance in full each month, you may avoid interest. If you carry a balance, the APR tells you
how much you’ll pay in interest charges over time.
Still Need Support?
Want extra help choosing between rewards, travel perks or balance transfer offers? Explore more information so you
can feel confident about the card you decide to keep in your wallet.
We’ve also found a strong everyday cashback option that may fit your profile. To check the details and see how it
compares to your other choices, reveal this card below.
