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How to get a credit card if you live abroad


Cynic1947
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I'm a British citizen resident in the EU. I have a UK bank account/credit card account (shared with my wife) with the Co-operative bank but they keep reducing the credit limit to the point where it's useless for major purchases. I've asked them to increase the limit but they refuse as I don't use the card up to the limit every month. British banks (and financial organisations generally) don't want to know you if you live outside the UK (whatever happened to the Single European Act?).

I'd like a UK credit card as I have a regular UK income. Does anyone know how or where I can get one?

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Open an account with you local bank where you now live. That's what I did, was given cheque book and debit card.

You obviously didn't read my question properly; I want a UK account/credit card.

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I did read it, once up and running, you apply for a credit card. You already have a uk bank account and trying for a second, while living abroad, might make them think there is an attempt to launder money.

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I'm a British citizen resident in the EU. I have a UK bank account/credit card account (shared with my wife) with the Co-operative bank but they keep reducing the credit limit to the point where it's useless for major purchases. I've asked them to increase the limit but they refuse as I don't use the card up to the limit every month. British banks (and financial organisations generally) don't want to know you if you live outside the UK (whatever happened to the Single European Act?).

I'd like a UK credit card as I have a regular UK income. Does anyone know how or where I can get one?

 

Paying money onto the credit card will increase the credit limit. They won't provide you with increased credit themselves, but there is nothing stopping you putting your own money on the card, so you have a credit balance.

 

HSBC and other Banks have international type accounts, for UK citizens that live abroad, but wish to hold a UK account.

 

Your problem is wanting a credit provision in the UK, when if you got into debt, they could not sue you in UK court because you don't live there. It is more complicated and expensive taking you to court outside the UK.

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I did read it, once up and running, you apply for a credit card. You already have a uk bank account and trying for a second, while living abroad, might make them think there is an attempt to launder money.

 

Getting them to think at all would be a start; they don't think, they just tick boxes!

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