For those of you out there who have increased your Flex limit - did it appear as a hard credit search on your credit file the next montth?
Has yours showed as a hard search?
@TheoGibson might know more on this, but I donât think increases do (possibly wrong though), only applications on approval.
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I asked @TheoGibson this when the option to increase your limit was first made available. He said there wouldnât be another hard search.
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I donât know about Flex, but every time Iâve ever had my Nationwide or Barclaycard limits increased thereâs never been a hard search.
I donât even remember seeing a soft search - Barclaycard in particular seem to only rely on what I tell them my salary is.
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No hard search for Flex or overdraft credit limit increasesâŚ
If we increase your limit weâll report your new credit limit amount to the credit reference agencies, this may have an impact on your credit score
For what itâs worth - this could be a positive or a negative impact - itâs impossible for us to be able to tell if itâs a positive or a negative impact. Also itâs more than likely the impact will be negligible and will be a small positive impact with one lender but a small negative for another (Note that the credit score you get shown isnât the credit score than any lender in the UK actually uses). Sorry - mini rant about credit scores over 
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Anyone know what the max limit Monzo offers on flex accounts is?
ÂŁ6,000
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To update - attempting to increase overdraft limit warns of a hard check Flex can be changed freely without. This is EXTREMELY UNCLEAR in the Help documentation.
Where in the app are you seeing this? Can you send a screenshot.
I can feedback and get the wording changed.
I suspect itâs this document that shows up immediately after clicking change limit.
If you open an overdraft with us, weâll leave a âhard checkâ on your credit file which shows other lenders that you have an overdraft open.
Iâm not sure if youâve changed the flow, but the impression I get is that it looks like itâs making a fresh overdrafts application just to get to the page where you can change the limit, even if all youâre wanting to do is lower it.
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The credit agreement pops up again which warns of a credit search underneath âWhat you are agreeing to.â
Am I agreeing to another hard search or not? I obviously had one when first activating the overdraft - I am asking specifically if you are increasing the limit.
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No - youâre not - we donât run one if youâre changing your limit - only when activating for the first time.
âŚi just looked in the app and agree this is a bit confusing 
Iâll see if we can get it changed next week for the âchange limitâ flow. Thanks for flagging - since itâs part of the credit agreement which gets re-used across both the ânew limitâ and 'change limit" flows it probably got overlooked.
Also nice to see that greater than zero people read the credit agreement 
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Awesome - just to add: your live chat staff just regurgitated these badly worded help articles to me which wasnât very useful. I found it hard to believe thereâd be a hard search associated with increasing a limit. 
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Iâm sorry about that @amihail 
Looks like a bit of conflicting information here with the article and our COps, as Theo as mentioned above this will be feedback and sorted so to become more clearer for others in the future. 
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I just raised a support request regarding this issue. It is very confusing but I remembered there was a post about something like this on the forum at some point - I didnât quite realise it was the exact issue though. All done now but i could see this turning people off from increasing their limit.
This âbugâ is still active.
When I logged in to change my overdraft limit to something lower as I donât need a huge one I am prompted to agree to a hard credit search. Going off staff posts above this is WRONG.
Hi All
Just checking if anyone knew whether it still wonât run a hard check on the credit file to check for an increase on Flex?
Close to applying for a mortgage so donât want any hard searches within 6 months of applying on my file.
Thank you.
No, itâs still just a soft search (even if you are given an increase).
Probably best waiting until your mortgage is done before going on a spending spree 