Multiple credit cards, stooze pots and credit limits
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ben166
Posts: 11 Forumite
Hi All,
I just thought I would share my recent bout of applying for multiple credit cards in one weekend for stoozing/offset mortgage.
I will share my cards, limits and situation so others can see what they could look to possibly obtain if they have similar circumstances and for reference.
Please also share your cards, limits, situation so we can all compare and see if any patterns emerge!
Credit cards BEFORE applying for multiple: (nil balances on all as I had recently completed on the above mortgage)
Card and limits:
Barclaycard - 13,000
MBNA – 6,000
BA Amex – 12,000
Tesco clubcard CC – 13,000
AFTER (additional cards obtained to the above) All on 0% BT deals – using MBNA card as the mule card for money transfers:
TSB – 9,500
Amex preferred gold card (charge card)
Barclaycard platinum – 4,000
Lloyds bank – 3,000
Bank of Scotland – 3,000
Halifax – 3,500
Tesco clubcard CC (2nd) – 3,500
HSBC BT card – 5,500
M&S BT card – 2,000
REJECTED for – Virgin BT card, MBNA BT card (offered a deal not worth it so didn’t apply), Sainsbury’s, Santander, AA.
I couldn’t see any other cards out there worth applying for!
Situation before applying:
Experian Credit score – Excellent (999)
Income: £60k – no dependents - £500pm mortgage.
Any insights, advice, similar stories do let me know J
I just thought I would share my recent bout of applying for multiple credit cards in one weekend for stoozing/offset mortgage.
I will share my cards, limits and situation so others can see what they could look to possibly obtain if they have similar circumstances and for reference.
Please also share your cards, limits, situation so we can all compare and see if any patterns emerge!
Credit cards BEFORE applying for multiple: (nil balances on all as I had recently completed on the above mortgage)
Card and limits:
Barclaycard - 13,000
MBNA – 6,000
BA Amex – 12,000
Tesco clubcard CC – 13,000
AFTER (additional cards obtained to the above) All on 0% BT deals – using MBNA card as the mule card for money transfers:
TSB – 9,500
Amex preferred gold card (charge card)
Barclaycard platinum – 4,000
Lloyds bank – 3,000
Bank of Scotland – 3,000
Halifax – 3,500
Tesco clubcard CC (2nd) – 3,500
HSBC BT card – 5,500
M&S BT card – 2,000
REJECTED for – Virgin BT card, MBNA BT card (offered a deal not worth it so didn’t apply), Sainsbury’s, Santander, AA.
I couldn’t see any other cards out there worth applying for!
Situation before applying:
Experian Credit score – Excellent (999)
Income: £60k – no dependents - £500pm mortgage.
Any insights, advice, similar stories do let me know J
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http://forums.moneysavingexpert.com/showthread.php?t=5459702I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com0
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