British Airways - American Express Card - Acceptance? Experiences?

Haushinka

I've applied to the American Express British Airways card mention in the credit card section of this site.

I went through all the process's but i just wondered if anyone experienced any troubles getting accepted?

My situation.

I have a normal bank account £750 overdraft which is payed in full every month.

Capital One Credit Credit - I pay above minimum payments each month

Virgin Credit Card MBNA - I also pay above minimum payments each month

Even so with paying them off each month I am still struggling to pay them off so i decided to move to a card with a fixed balance transfer rate.

My credit rating is good and i meet all the requirements for the card. Im 20 and earn more than the minimum salary requirement.

Only problem is the size of my debts, I have £1400 to pay back on the MBNA and £400 to pay back on the Capital one.

Are they likely to accept me?

Also any information/experiences with them would be appreciated.

Thanks

nibelung

It's impossible to predict whether you will be accepted or not. The fact that you have other cards suggests that you shouldn't have too much trouble. Even if they accept you and give you a credit limit less than you want, you can still transfer some of the debt across and take advantage of the lower rate.

dc

You should be OK, I am not as young as you but have a similar financial situation. They gave me £3000 limit. If you say get £2000 and transfer the £1800 your minimum payment would be around £55, + £7.50 interest and you should add to that what you can afford.

Good luck.