Good morning. Thank you for taking the time to provide feedback. With regards to your feedback regarding credit and additional cards - like any business that supplies credit, we must ensure that any credit facility offered is proportionate to the current financial data we are able to access for the company. If we offer too much credit, we encourage overspending and future problems and too little, we restrict business. Having checked your account, we are currently allowing you to go over the credit limit we were able to secure for your business, thus supporting your business within the guidelines of responsible lending. As you rightly said, in order to offer additional cards and additional credit, we would either need up to date financials or a pro-forma payment which would be held on the account to increase the credit limit. Please get in touch on 03300 050055 if you would like to discuss further