Ask for a higher credit limit or?

NickX

Nix1982 wrote: »

What does CSA mean?

Customer Services Agent

exel1966

Nix1982 wrote: »

So will they not do a search just for asking for a credit limit increase?

Yes they can search again as you've already given your agreement to this, it will depend on the increase given.

CSA - Customer Service Agent

Moggles_2

A request for a higher credit limit could involve another credit check, so it's important
to consider first whether you’ve a realistic chance of getting the funds you need.

Is Lloyds Tsb likely to more than double your credit limit? I would have thought not, but it's your choice really.

Nix1982

oh i dont no what to do, ask for a credit increase of apply for another card

exel1966

As you're so decisive, toss a coin !

NickH1982

ive just got me Lloyds TSB card trough, and im just reading the small print and it says:

0% pa for BT you make in the first 6 weeks after we open the account 'If you make at lease £100 of purchases in the first 3 months after we open you account this rate is fixed for 14 months from the date the transfered balance is put on your account. Otherwise this rate is fixed until 3 months after we open your account.

What does this mean - i dont quite understand, i thort i had 14 months 0% on BT. can some1 please make this clearer for me

NickH1982

Could some1 help me out please

NickX

NickH1982 wrote: »

ive just got me Lloyds TSB card trough, and im just reading the small print and it says:

0% pa for BT you make in the first 6 weeks after we open the account 'If you make at lease £100 of purchases in the first 3 months after we open you account this rate is fixed for 14 months from the date the transfered balance is put on your account. Otherwise this rate is fixed until 3 months after we open your account.

What does this mean - i dont quite understand, i thort i had 14 months 0% on BT. can some1 please make this clearer for me

You need to make at least £100 of purchases during the first 3 months to get a 0% rate on your Balance Transfer for 14 months.

If you don't do this, then your 0% Balance Transfer rate will be only for 3 months.

Bear in mind that after the first 3 months has passed, those £100 purchases will start to accrue interest.

Hope this helps.

Mousehunter

NickH1982 wrote: »

ive just got me Lloyds TSB card trough, and im just reading the small print and it says:

0% pa for BT you make in the first 6 weeks after we open the account 'If you make at lease £100 of purchases in the first 3 months after we open you account this rate is fixed for 14 months from the date the transfered balance is put on your account. Otherwise this rate is fixed until 3 months after we open your account.

What does this mean - i dont quite understand, i thort i had 14 months 0% on BT. can some1 please make this clearer for me

It means if you don't spend £100 on the card in the first 3 months, you only get the 0% balance transfer rate for three months.

NickH1982

right the limit on the card is 1.5k, i want to transfer as much as possible off my virgin card (3k debt on this card) onto this card an get the maximum 0% BT (14 months) the handling fee for BT is 3%

How do i go about doing with, taking into consideration i have to spend £100 or someting - im a little confused