[albatross710]

The credit limit will depend on what Westpac are goign to approve...they will look at your financial situation and using black magic will make their decision.

One strategy that does effectively increase cedit limits is to have two cards with the same lender then cancel one. They offer to transfer teh credit limit to the original card.

This happened to be with NAB. I had an existing NAB visa then took up the bonus points offer whenthe VElocity card was promoted. Then a couple of months later when the bonus points had post, I cancelled the VElocity card and they transfer/doubled the limit on my original Visa.

Just last week my Altitude VISA limit was doubled when I cancelled the Earth+ card which I obtained just last year. In the phone call cancelling the card, the agent offered to transfer the limit to the original card.

It will come down to which ticks you get on the Westpac credit appraisal...and nobody understands that!