Highest Credit Limit Cards

pioneer31

Sorry if this has been done before.

I'm interested to find out the overall best cards to apply for (in terms of credit limit)

Can we post our recent cards and limits? (I don't know how to do a poll)

I'll kick off

Mint £5250
MBNA £3000
Barclaycard £1200
Halifax £1400

ashcarrot

Virgin 11000
Egg 15000
Scottish Widows 9750
First Direct 6200

Ricardoro

MBNA 23600

Ricardoro

Sorry, posted too soon...to continue....

MBNA 23,600
Lloyds Advance 15,000
Accucard 10,000
MSDW 10,000
RBS 10,000
FD 9,000
Egg 8,600
Barclaycard 5,600

not all being used currently of course

pioneer31

At the moment I owe MBNA £3000 and Barclaycard £1700. I earn £15k. I am thinking of going with Egg as I've heard they tell you the credit limit straight after clicking 'submit'. Then if it doesn't suit me (ie its too low) I can just not bother signing the agreement when it arrives. If I did do this, would it be logged on my credit score ?

johnllew

I am thinking of going with Egg as I've heard they tell you the credit limit straight after clicking 'submit'. Then if it doesn't suit me (ie its too low) I can just not bother signing the agreement when it arrives. If I did do this, would it be logged on my credit score ?

Yes, a credit search would no doubt be made. Even if they give you a low credit limit, it's still a useful card. You can take advantage of their 0% deal and also use the card to route other credit card money to your bank account.

ashcarrot

Did you have LLoyds Advance and Accucard at the same time aren't they both run by Lloyds or does that not effect your limit?>

Darryl

Amex Platinum £7000
Nationwide Gold £5000
MBNA Virgin £8000
Egg £6000
Barclaycard (0% forever ;-)) £1500 (and decreasing as I pay off the 0% debt)

Both Egg and MBNA Virgin are stoozed. ;-)
Amex is my cashback card
Nationwide is my holiday spend/extended warranty card :-)

I JUST LOVE THIS SITE

Darryl.

scattycat_3

Most liberal was/is MBNA, though they are tightening up, due to gov pressure/fears.

Mbna 14k6 + 5k8(abbey)+ 5k (A&L)

Barclays £11k

Your limit increases with use and time, the above two will let you swop limits between cards and both do SBTs. (seem to remember Barclays SBT is for existing customers only.)

Beware MBNA have started stopping cards that have not been used for 13months.They will telephone you before, but if you dont answer phone, you dont get a second chance. So existing customers beware when waiting for a 0% mailshot.

Suzz_2

MBNA £15K
Egg £10K
Halifax £9K
Accucard £8K
Goldfish £7K
MS £5K
Nationwide £5K
BOS £5K
Barcalycard £4K

I'm amazed MBNA giving limits of £20K+ - no so long ago that would have bought you a house!! I'll have to havea word with them (..before my 9 months is up!)

dag_2

Your limit increases with use and time

Good point - I think that miserly wanted to know what the credit limit was when you first applied for the card.

I have two Halifax cards, one with a limit of £10k, and the other with a limit of £7k6. I think their limits was £1k each when I first got them.

I also have a Lloyds TSB Classic Card with £5k limit - the original limit was £250.