Return to frequently asked questions What is a Starter card? It has a credit limit that starts low but gives you the opportunity to move up to a £200 credit limit after six months. How do you graduate to a £200 credit limit? To qualify, you need to: Stay within the credit limit Make at least one transaction Make at least the minimum monthly repayment on time, every month, for five months in a row We'll then do a final check to make sure you can afford the higher credit limit. I missed a payment, can I still graduate? Yes, but you'll still need to stay within the credit limit, make at least the minimum monthly repayment on time for five months in a row and pass a final affordability check.