Hello everyone. I just got approved for Monzo Flex and I’m absolutely elated. It’s my first credit card as well. They’ve given me a credit limit of £50, which I understand is quite low, but as it’s my first credit card I’m still happy. My question is, if I use flex responsibly over the next few mon…

If you’ve not had credit, monzo won’t know how you handle credit. Over time, responsible usage and other things like using monzo as your main account, having your income paid into it so they can see how much you earn and also see how you spend it, you are in better odds of being eligible for an incr…

Thank you so much for your replies! According to Experian I’ve also been pre-approved for a capital one credit card, which on the website says has a minimum credit limit of £250. Do you think it’s a good idea to apply and get this credit card as well and use it sensibly alongside monzo, or is it lik…

Don’t take credit just because it’s there otherwise it may lead to a downward spiral.

Thanks so much. I won’t go for the capital one card then, I’ll just use flex and make sure everything is always paid back and hope for the best! Last question, you said about getting income paid into monzo, does it count if I’m getting it paid into my Santander account (as they have a monthly minim…

That’s not being paid into Monzo, that’s transferring money to Monzo.

Plan B could be ONMO credit card :grin: [image] ONMO chat Financial Chat I did order my Debit card too, yesterday grin Mainly for collection, but may use it sometimes smile Could choose a PIN for a Credit card, but PIN for a Debit card was automatically assigned (can see…

Yep I know! I would like to keep my Santander open as well though as a back up and they want my salary paid into it as a minimum requirement, so I don’t have a choice unfortunately. I do have open-banking on Monzo Plus so maybe they can get a better overall picture of my income that way.

Not coming up on clear score for me, just the CapitalOne card I got pre-approved for above. I think I need to build my credit history with Monzo as above before considering applying for other credit cards!

[image] desert-viking232: they want my salary paid into it as a minimum requirement Who told you that? I’ve accounts with £1 in and they’re never closed.

On the 123 graduate account, on “key facts” document it says the following: “There is no monthly minimum funding requirement, however you must pay money into your account with your primary form of funding, for example, your salary”. I assumed that meant I have to have salary go into it?

Monzo Flex Credit Limit

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Remi (🇬🇧🇪🇺🇱🇹🇷🇺 & 🏳️‍🌈🤞🍀☯️) 15 March 2023 12:25 8

Plan B could be ONMO credit card

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Monzo Flex Credit Limit

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