To give you the credit limit you really deserve we need to do a financial assessment based on a one-off appraisal of your bank account. This is now standard practice for any company working with the Consumer Credit Act. Our bank checks are done by an award-winning, secure service. We do not store bank details and we only ever see them once in viewing mode. The goal of this is to accurately assess your ability to meet the low cost payment plans we offer but not over commit