I started off in 2005 with a miserly £5k credit limited, but have now worked my way up to £15K, found staff very helpful in giving me a raise, and on the last 2 occasions have used the online "increase credit limit" facility, and been granted an increase immediately, and intend to do so in November, albeit then a year since my last increase. Agree with the BMI card, same limit, and only use it if I cannot use my BAAEPPC, fortunately though they have not increased the limit. Some payments are posted really quickly to the account, but of course this does vary if a week-end is hit, then of course longer, but normally I notice on my account it can take as little of 3 days.