You also need to consider whether its going to be possible - if this is to be commercial credit as your credit rating is now shot then you might not be able to get credit in any event, despite permission from your IP.
If you need something done urgently then ask your IP for a payment break to pay for it - much easier than taking out extra credit,
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk