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Timelines with Ulster Bank Gold and M&S Credit Cards - my experience
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nzseries1
Posts: 2,240 Forumite
Hello,
Just thought people might like to know about my particular experience with timelines and acceptance rates for Ulster Bank Gold card and M&S card in case they're thinking of applying for these.
My existing 0% purchases card is coming to an end, so I thought I would get the Ulster Bank Gold card to transfer my balance off my current card (at 6 months 0% with no fee), and get the M&S for new spending (it's 10 mths at 0% with M&S reward points).
I thought my chances of getting accepted for both or even one were very low. I applied for 7 cards all on the same day in July, and only got accepted for 2 (both MBNA cards). But, I applied anyway, and lo and behold I got accepted for both Ulster and M&S.
Ulster gave me a credit limit of £3,000 which as with most other people got increased to £3,600 when I asked (thanks guys for the tip!). I applied online on 15 September and the card arrived 8 October (so 23 days to arrive). The BT showed up on my current card that same day (as I specified it in my application).
M&S as well I applied for online on 15 September as well and it arrived today (so 25 days to arrive).
I already have an HSBC card so I don't know if that helped my M&S application.
I hope this helps someone who is wondering how soon before the end of their 0% period they should apply for a new card.
Just thought people might like to know about my particular experience with timelines and acceptance rates for Ulster Bank Gold card and M&S card in case they're thinking of applying for these.
My existing 0% purchases card is coming to an end, so I thought I would get the Ulster Bank Gold card to transfer my balance off my current card (at 6 months 0% with no fee), and get the M&S for new spending (it's 10 mths at 0% with M&S reward points).
I thought my chances of getting accepted for both or even one were very low. I applied for 7 cards all on the same day in July, and only got accepted for 2 (both MBNA cards). But, I applied anyway, and lo and behold I got accepted for both Ulster and M&S.
Ulster gave me a credit limit of £3,000 which as with most other people got increased to £3,600 when I asked (thanks guys for the tip!). I applied online on 15 September and the card arrived 8 October (so 23 days to arrive). The BT showed up on my current card that same day (as I specified it in my application).
M&S as well I applied for online on 15 September as well and it arrived today (so 25 days to arrive).
I already have an HSBC card so I don't know if that helped my M&S application.
I hope this helps someone who is wondering how soon before the end of their 0% period they should apply for a new card.
You're spelling is effecting me so much. Im trying not to be phased by it but your all making me loose my mind on mass!! My head is loosing it's hair. I'm going to take myself off the electoral role like I should of done ages ago and move to the Caribean. I already brought my plane ticket, all be it a refundable 1.
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