We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Re: Credit card maximums

2

Comments

  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    clio wrote: »
    Do citi do instant answers if you can be verified bt Electoral list etc??
    and do they use Experian like Egg do?

    Yes you get instant decision. I never, I got a 'we'll be in touch' and then a week later got a PIN and rung to ask limit and got told 2 grand! Then the card came etc... still haven't signed a CCA yet! LOL :confused:

    They searched Experian for credit card and both for bank account.
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Credit09
    Credit09 Posts: 1 Newbie
    Hi All,

    I'm also looking for help - I'm currently looking at getting my first BT credit card and was hoping someone could tell me how much I should be expecting my limit to be? I am looking at an MBNA card, have a good job, mortgage and apparently a good credit rating. I'm looking for about £8000 and was wondering if this is likely?

    Thanks in advance
  • Tori_Bellatrix
    Tori_Bellatrix Posts: 1,310 Forumite
    Part of the Furniture Photogenic Combo Breaker
    never-in-doubt wrote: »
    Yes you get instant decision. I never, I got a 'we'll be in touch' and then a week later got a PIN and rung to ask limit and got told 2 grand! Then the card came etc... still haven't signed a CCA yet! LOL :confused:

    They searched Experian for credit card and both for bank account.

    I applied for a Citi card today, they use electronic signatures (like Egg do) so you won't need to sign anything. The age of technology ... :cool:
    :happylove Tori Bellatrix :happylove

    .·:*¨¨*:·..·:*¨¨*:·..·:*¨¨*:·.
  • sarahs999
    sarahs999 Posts: 3,751 Forumite
    Credit09 wrote: »
    Hi All,

    I'm also looking for help - I'm currently looking at getting my first BT credit card and was hoping someone could tell me how much I should be expecting my limit to be? I am looking at an MBNA card, have a good job, mortgage and apparently a good credit rating. I'm looking for about £8000 and was wondering if this is likely?

    Thanks in advance

    It's impossible to say - they have so many criteria that range and vary from day to day. But £8000 as a starting limit is high, I'd say, and you'd be unlikely to get it. Won't know til you try though and you may be able to talk them round.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Tori_Bellatrix wrote: »
    I applied for a Citi card today, they use electronic signatures (like Egg do) so you won't need to sign anything. The age of technology ... :cool:

    did you get told your limit? were you accepted Tori
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    sarahs999 wrote: »
    It's impossible to say - they have so many criteria that range and vary from day to day. But £8000 as a starting limit is high, I'd say, and you'd be unlikely to get it. Won't know til you try though and you may be able to talk them round.

    agreed - each lender scores you differently - read other threads - Tesco/MBNA give high limits to start - if you're credit worthy as you say you are!
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Tori_Bellatrix
    Tori_Bellatrix Posts: 1,310 Forumite
    Part of the Furniture Photogenic Combo Breaker
    never-in-doubt wrote: »
    did you get told your limit? were you accepted Tori

    No, I got the 'we'll be in touch' letter .... I've been banking with Citibank for over 2 years now so hoping that'll count in my favour. :A
    :happylove Tori Bellatrix :happylove

    .·:*¨¨*:·..·:*¨¨*:·..·:*¨¨*:·.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Tori_Bellatrix wrote: »
    No, I got the 'we'll be in touch' letter .... I've been banking with Citibank for over 2 years now so hoping that'll count in my favour. :A

    I applied and got that screen then out the blue got my PIN..... just like that! 2 grand start limit and my first real credit card. I bank with hsbc.

    Funnily enough citi refused me a bank account a week earlier than I applied for the credit card... hmmm, strange!

    did you apply for gold AAdvantage or the basic one? Gold is scored higher I know that.
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Tori_Bellatrix
    Tori_Bellatrix Posts: 1,310 Forumite
    Part of the Furniture Photogenic Combo Breaker
    never-in-doubt wrote: »
    I applied and got that screen then out the blue got my PIN..... just like that! 2 grand start limit and my first real credit card. I bank with hsbc.

    Funnily enough citi refused me a bank account a week earlier than I applied for the credit card... hmmm, strange!

    did you apply for gold AAdvantage or the basic one? Gold is scored higher I know that.

    Lol, Citi seem to be a law unto themselves don't they .. Mind you, I got my Citi account when they were going through a period of accepting anyone (around Jan 2007).

    I applied for the Platinum Mastercard - they only offer a choice of 2 at the moment, the other being the Gold AAdvantage one.

    I knoww Citi own Egg which I got accepted for ... so I'll be interested to see how this application turns out .. :p
    :happylove Tori Bellatrix :happylove

    .·:*¨¨*:·..·:*¨¨*:·..·:*¨¨*:·.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Tori_Bellatrix wrote: »
    Lol, Citi seem to be a law unto themselves don't they .. Mind you, I got my Citi account when they were going through a period of accepting anyone (around Jan 2007).

    I applied for the Platinum Mastercard - they only offer a choice of 2 at the moment, the other being the Gold AAdvantage one.

    I knoww Citi own Egg which I got accepted for ... so I'll be interested to see how this application turns out .. :p

    yea but citi and egg operate independantly like rbs/tesco etc....

    You may get accepted, if not certainly appeal. Yea the good old days from jan 07 have gone and citi are not giving any bank accounts to sub prime any more.... they must have wanted to fill their coffers with high riskers lol
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.9K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.7K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 259.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture