Having spent much of the last 2 decades since retirement happily globe-trotting, and using various credit cards whilst doing so, my credit rating seems to have encouraged the issuing companies to keep upping my limit. The two cards that I still have would between them allow me to buy a luxurious new car without a problem.
Given that I always paid them in full on my return to the UK, the biggest cost was the foreign transaction fees. I have recently ( last 5 years) wised up enough to only use pre-paid cards whilst abroad which don’t carry that charge. My current one allows me to swap between 17 currencies and even top up as needed all on my ‘phone. It has been a revelation and is brilliant.
The two UK issued credit cards are now hardly used, even at home, so although I do use them both from time to time to keep them active, I am always wondering when they will start to reduce my limits, or if they will bother. Doesn’t keep me awake at night either way.
PW