Irresponsible lending behaviour

Is it legal to increase someone's credit limit without the I dividual asking for a credit limit increase?

Why is this conveniently done for me pre black Friday?

2 months ago I you charged me fees for short paying you notwithstanding you charging interest on the amount I owe you.

You also send me over 50 emails a month.

Your business is truly disgusting. Extending credit, bombarding people with marketing material, you charge interest and legal fees for any short payment.

Today you increased my limit without me asking. Why? Who said you must? Do you know if I can afford repayments?

This is heading off to treating customers fairly. Disgusting.