Barclays

Watalie

Having had months and months woth no pre-approved offers on my Barclays pages, I now have a pre approved offer to increase my O/D (no ta!) and to apply for a Barclaycard - never had the barclaycard one before....

It has all options on there from Barclaycard initial to Platinum - I currently have a Barclaycard initial with a paltry £260 limit... which has been paid on time every month and sometimes cleared to Nil - have had this for about 2 years, never had an increase in limit!

I have a CCJ which is satisfied and which will drop off my credit report by the end of next year. I have had 2 searches in the last 6 months.

Should I apply for a "normal" Barclaycard? Or should I just leave it? Would be nice to have something mainstream and get rid of Vanquis... (although they have been good to me!)

I have the Vanquis which I am paying off - (limit £1250, balance £500 ish) and a capital one of £1100 balance £200ish Usually pay off each month and use for petrol etc -

I'm aware that preapproved doesn't mean accepted automatically... but your thoughts would be good

onefortheroad_2

Watalie wrote: »

Having had months and months woth no pre-approved offers on my Barclays pages, I now have a pre approved offer to increase my O/D (no ta!) and to apply for a Barclaycard - never had the barclaycard one before....

It has all options on there from Barclaycard initial to Platinum - I currently have a Barclaycard initial with a paltry £260 limit... which has been paid on time every month and sometimes cleared to Nil - have had this for about 2 years, never had an increase in limit!

I have a CCJ which is satisfied and which will drop off my credit report by the end of next year. I have had 2 searches in the last 6 months.

Should I apply for a "normal" Barclaycard? Or should I just leave it? Would be nice to have something mainstream and get rid of Vanquis... (although they have been good to me!)

I have the Vanquis which I am paying off - (limit £1250, balance £500 ish) and a capital one of £1100 balance £200ish Usually pay off each month and use for petrol etc -

I'm aware that preapproved doesn't mean accepted automatically... but your thoughts would be good

i would phone Barclaycard up ask them to upgrade your card

Watalie

onefortheroad wrote: »

i would phone Barclaycard up ask to upgrade your card

Thank you :beer:

That's not something, I would have considered!

onefortheroad_2

onefortheroad wrote: »

i would phone Barclaycard up ask them to upgrade your card

that.s the only way you can do it now


Think about our Breathe Credit Card if you: and all cards the say the same

• Want to contribute to tackling climate change
• Don't want to receive paper statements
• Have an average credit history
• You have no history of bankruptcy
• You have not had any County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) registered against you in the past 5 years
• You have a limited history of managing credit commitments well i.e. have existing credit cards, loans, overdraft or mortgage, but have no more than 2 credit commitments
• Your record of paying credit commitments on time is less than 4 years old
• You have not missed ANY payments on a credit card or loan in the last 12 months
• Don't already have a Barclaycard
• Have had a permanent UK address for 3 months or more
• Have a regular income of more than £15,000 pa
• Excluding a mortgage, your debt on credit cards or store cards is less than 40% of your income
• Are aged 21 or over

Watalie

Ah - didn't notice that one!

Thank you