Re: Credit card maximums

never-in-doubt

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

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

Credit09

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

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

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:

sarahs999

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

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

never-in-doubt

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!

Tori_Bellatrix

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

never-in-doubt

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.

Tori_Bellatrix

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 ..

never-in-doubt

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 ..

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