Using card with very low credit limit

[Gothbe]

My partner applied but she was only given a £200 credit limit. I had a couple of bills to pay so decided to pay them off in multiple payments of £200. We put through four payments in two days and between each payment paid the balance off. The card currently has the £200 credit limit available. After the fourth instalment the card stopped working. We’ve tried it online and in shops and it has been declined. Barclays have sent no emails and there are no flags when we log in. Any suggestions?

[Froggee]

Call Barclays

[CarpalTravel]

£200 is the temporary hold, pending their receiving the information they emailed your partner requesting. They have probably stopped the charges now until they receive it. Try calling them.

[Dudulle]

Have you received text messages?
If they suspect fraud they’ll send 2 messages, one saying they’ll send a text from a specific number, and the second one to ask you to confirm you made some transactions. You wouldn’t be able to use the card in the meantime.
The third time they’ll send a letter but you wouldn’t be able to log in online or see the card in app (learned this the hard way doing basically the same thing you did)

[Gothbe]

£200 is all they gave her even after proof of income. Mainly paid in cash but tax return showed good income. Able to log in ok and no text messages received

[09R]

I’m in the same boat. OH got £200 credit limit even after supplying income docs. I had planned to do what you said – lots of small charges and then pay it off. Let me know how you get along

[Maples]

I’ve got a £250 limit and have managed to hit the £1K spend for the 5K points. I wasn’t going to hit £3K so I didn’t bother but I managed to hit 1K in less than 2 months, so I probably should’ve gone with the paid card.

Anyways, you can keep paying off the card once the transactions go through. I was getting an error message in the app when trying to pay £100 and then I logged into the website on PC to find out only £90 had been processed/completed, so I could only pay £90. Keep an eye out for that if you run into the error.