reclaim credit card fees

Reclaim Credit Card Charges

We can help you claim compensation for unaffordable credit card fees, charges and credit limits. You could get a refund on interest if your new credit limit was unaffordable


payday loan claims

For Hassle-Free Refunds

A claims specialist
can do all the hard work so you don't need to!

claim refund

Simple Process

Making a claim is simple. With just a few details you can start your application.


No Win, No Fee

You are only charged after the claim has been won and you have your refund!

You do not need to use a claims management company to make your complaint to your lender. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free.

Who Can Reclaim Credit Card Charges?

Traditionally, credit card companies increase the card limit for customers who have maintained good repayment records on their accounts.


This can be a good thing. However, in many instances, proper affordability checks have not been undertaken as to whether the customer can really afford an increase in their credit limit.


As a result, accounts default and charges ensue. Customers with good credit standing are now struggling to maintain payments under the new limit.


Even in cases where payments continue to be made on time, customers may still struggle in paying priority debts or have to take out additional lending to meet their monthly credit card payments.


If this sounds familiar, take the time to fill out and submit our simple enquiry form. You might be eligible for a cash settlement, just like the thousands of individuals whom we have helped to get compensation.

A lender must check if credit is affordable when you apply for it.


If you can’t make the monthly repayments without difficulty, credit isn’t affordable. This means being able to pay all your normal household bills, expenses and your other debts.


If you have to borrow more most months, this would not be affordable. This could be borrowing on the same account – making a credit card repayment but then using the credit card to pay for food so the balance never drops is “borrowing more”.


You have to be able to repay debt within a reasonable period of time. Paying the minimum amount is OK for a short while, but if you did this for a long period, this suggests the debt isn’t affordable and your limit should not be increased.


A lender shouldn’t increase a credit limit without new checks. Just because you have been able to make your repayments so far doesn’t mean you can manage a larger limit!

If any of the above statements describe your credit card experience, you could be eligible to claim compensation. Start your claim below for professionals to guide you through the process.