BT Advice Needed

bgqs

I have a Tesco card with £3k on it. The deal has run out so I applied for a Halifax cc. I have a perfect credit record and regularly pay £1k off per month on the account.

I have been approved for a Halifax cc but only have £500 credit limit which will be reviewed after 6 months !

Therefore, the 0% period of 10 months is next to useless !

I haven't activated the account as yet...should I just cancel it and will this show on my credit record as a settled account ?

Is anyone able to suggest a cc which is more flexible on the credit limit ?

My old Sainsburys card offered me £2.5k, my current tesco card is £8k and yet, Halifax offer me £500 !

stephane_2

Maybe they've offered you that limit because your level of debt/available credit is too high compare to your income.
£500 at 0% is still better than nothing.....

scott_lithgows

Try for a Sygma creation card,they usually give you a 2k ish limit.

If the Halifax card has 10 months on purchases then spend £499 on it and put the cash saved against the Tesco card on top of the usual £1000 per month.

Sainsbury card might offer you a repeat deal if it,s still open.They offered me 7.9% lob deal a few weeks ago.