MBNA Amex and Visa

malcolmffc

Hi all,

I currently have the MBNA Amex cashback card, and I'd like to supplement this with their Visa cashback card too so I can use that in places where Amex isn't accepted. What is the likelihood of them giving me a second card? Was thinking of calling them and offering to split my current Amex limit (£3,500) over the two cards. But I don't want to get a search on my credit file for no reason if MBNA will automatically refuse my app because I already have a CC with them.

My income is currently £32k and I've always paid off CCs in full.

Fruit_and_Nut_Case

MBNA will often split your limit across more than one card. They will usually raise one and lower another if you ask. It seems to be a standard way for them to operate.

nzseries1

They've done exactly that for me in the past. Given me a second card, and asked how I wanted the limits split between them. Awfully nice folk

malcolmffc

If anyone reads this and is wondering - they did approve me for the Visa card. I offered to move £1000 of my £3500 over to the Visa card, but got the impression that they wouldn't be picky what the limits were as long as it didn't increase their total exposure.

fleitner

I had the Visa card and applied for the Amex lately. They accepted me and I did not have to split my available limit, the new limit on the Amex was exactly the same as the limit I have on the Visa card.
So basically my limit has doubled. Don't know if this was coincidence though.