Post Office card limit

frugglewump

Thought this might be vaguely interesting. Apologies if it is old news.

Just been accepted for the post office card. I called and asked for the max allowable amount for 0% BT, the customer service guy wanted to know how much I wanted to transfer and on being told it was actually more than the initial limit was able to immediately increase it by 50% (but not by a smaller amount). He didn't even put me on hold to check it out.

fatbelly

I think this is what is sometimes called a shadow limit.

How much did you get?

My card arived today with a £2300 limit. Sounds like I could get it raised to £3450 from what you say.

frugglewump

fatbelly wrote:

I think this is what is sometimes called a shadow limit.

How much did you get?

My card arived today with a £2300 limit. Sounds like I could get it raised to £3450 from what you say.

It started at £2500 & is now £3750.

I haven't even had the card or pin number arrive yet.

pfpf

i applied online for this card in my own name and gave my wifes details aswell, as my own income is very low just now due to a long term illness i am just getting over.

i was declined even though i put my wifes income details aswell.

is there any point re applying using my wifes details as primary? if so and she is accepted could i then BT from my card to the PO card?

we have never ever been refused credit for anything ever in over 15years.

thank you.

Wyndham

pfpf wrote:

i applied online for this card in my own name and gave my wifes details aswell, as my own income is very low just now due to a long term illness i am just getting over.

i was declined even though i put my wifes income details aswell.

is there any point re applying using my wifes details as primary? if so and she is accepted could i then BT from my card to the PO card?

we have never ever been refused credit for anything ever in over 15years.

thank you.

I think it may be. I asked about additional card holders, and was told that the primary person is the one with the agreement, and the secondary doesn't really matter. Thread is:

http://forums.moneysavingexpert.com/showthread.html?t=230665

They probably looked at your income and refused on that.

pfpf

Wyndham wrote:

I think it may be. I asked about additional card holders, and was told that the primary person is the one with the agreement, and the secondary doesn't really matter. Thread is:

http://forums.moneysavingexpert.com/showthread.html?t=230665

They probably looked at your income and refused on that.

great. i just re-applied, or should i say my wife did?:D and she got passed with a £2700.00 credit limit.

reading the above posts is it worth me ringing and seeing if i can get a higher BT amount, which we want to put in Egg Money:D

last thing..i asked above, the Egg Money card we have is my name only. will we be able to use the BT from the PO card(wifes name only)to the Egg Money card(my name only).?

hmm, i wonder how long a second card holder account number would take to generate on the Egg Monay account?!?

thanks again.