[18holesin]

if all you intend to do with a credit card is buy loads of computer related shite then I wouldn't bother matey credit is a good thing when your good with ur money but getting a card just to blow it all on crap and make the minimum payments after you maxed it out just isn't worth the hassle.

Also

"if you pay your card off" every month the banks normally see you as a good risk and normally will entertain your for a limit rise and more often than not they will make the offer to you not the other way round.

in other words you get a phone call from your card supplier making an offer to increase your limit or a letter through your door with an offer.



when I was 18~19 I had a credit card of 3 grand through barclays and I'm pretty sure that the credit system is the same everywhere you go because I started off at 1,000 but made well over the minimum payments every month and within a year my credit limit was increased 3 times.

I'm in my 30's now and I only have one credit card and I purposely have set a low limit on it because having too much credit can be a bad thing.

my cards only an 800 quid limit which is more than enough for my needs.

and if you got "considerable savings and Investments" why the heck would you want 2 credit cards for hmm.

If I had loads of money I wouldn't bother trying to get credit.

just a thought though perhaps your having more of a problem due to the "problems" in america with the lenders sub prime issue of a few months back