We check-in on how you've been using your account every few months to see if we can offer you a higher credit limit and/or lower interest rate. As well as making timely repayments, we review all available credit and affordability information to ensure we are lending responsibly. 

Please note, in some instances this may lead to a reduction or withdrawal of your facility if we are unable to satisfy our requirements for responsible lending as set out in the FCA guidelines. 

These reviews are performed automatically and we'll be sure to drop you an email if we've been able to improve your account!