We'll only ever offer a credit limit that we’re confident you can afford to pay back.

When deciding what to offer, we’ll look at a range of things over several months. If you're eligible for a higher credit limit, we’ll be in touch to ask if you’d like to increase it.

What can I do to get a credit limit increase?

  • Make sure you repay on time - missed payments can damage your credit score and reduce the likelihood of you being offered a credit limit increase.

  • Manage your overall debt - not just on your Zopa credit card, but everywhere else too.

  • Continue spending and repaying on your credit card.

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