Totally ***********

I app**** for an OD increase 2 weeks ago. When the credit dept called me to finalise the application they told me what I qualified for & I took less. They did not explain that my decision was binding for 30 days & I had to make the decision quickly over the phone. Later on that day I decided I actually wanted more but I was told I am now stuck for 30 days & can't do anything. That wasn't explained to me, & I had no time to consider it & no cooling off period. The banker then said I can go to the branch before the 30 days to reapply. I even went back to her & said \Please clarify - I can apply BEFORE 30 days in the branch?"She said yes"