You are limited for a reason, just in case someone does get hold of your card and pin. Only thanks to this alone, my account was only £180 down, instead of over 1k which they tried to withdraw after cloning my card

(still it didn't stop them purchasing hundreds of pounds worth of mobile phones online

- i did get the money back, but months later!)
Do yourself a favour and leave it as it is, if you need to withdraw more, go into the bank.