If you apply for a pay monthly catalogue credit account and are successful you will be given a credit limit. Your credit limit is the maximum you can owe your Catalogue at any time. As you start to make repayments and your balance falls, you will have more available credit to spend at your Catalogue.
Your catalogues credit limit is subject to regular reviews. Catalogue companies are great for increasing credit limits. Catalogue companies are known to start a customers credit limit low to begin with.
They like to see how customers run their catalogue account, once they see regular payments they are likely to offer you a credit limit increase.
Catalogue usually review credit limits between the third and sixth month, Some catalogue companies will review credit limits quicker than others.
To stand a better chance of a credit limit increase, keep up with your repayments each month, place orders as you need but ensure you don’t exceed your credit limit. Ensure you keep up with your repayments elsewhere too, some catalogue companies receive information back from credit reference agencies (called a feed) and they may base your credit limit on that information.