Applying for another credit card from same issuer

mrmellor

I'm looking to apply for a Barclaycard 0% purchases credit card, to allow me to pay off my car insurance gradually. However, I already have another Barclaycard.

The reason I'm specifically looking at this one is because Noddle suggests it's the card I have the most chance of getting. I've applied for the Tesco 0% purchases card in the past and was initially accepted, decided not to take it, applied about a month later and then was declined! oops.. so I'm a little apprehensive about applying for it again.

So the question is - can you apply for more than one card from the same issuer? Would it hinder my chances in getting the card?

izools

Ignore what's been recommended to you by a credit reference agency.

These are notoriously inaccurate.

You should try this:

https://www.moneysupermarket.com/credit-cards/smart-search/

I recommend the Creation 13 Month purchases card; they are easy to be approved for.

Good luck!

mrmellor

Thanks for the tip! I've given it a go, and the majority came up as a 6/10 chance of approval, including the one you recommended. Is the Money Supermarket rating more accurate than, say, the credit reference agencies then? 6/10 doesn't seem great odds for applying, although I might just have to give it a go...

I'm a bit scared of doing what I did last year - making too many applications for cards, getting declined, and then scuppering my chances of getting any! I got a bit greedy last year though, hoping I could find a card with a bigger credit limit in order the pay off my car insurance in full (again!), and was blissfully unaware of the fact that doing consecutive searches for credit actually looks bad on your credit file.

izools

Yeah, 6/10 isn't great.

They are more accurate that the CRA checks from what I've seen but still inaccurate.

There's no way to be overly sure before applying really.

I would still have a punt at the Creation 13 months 0% Purchases card - it's the easiest one of the bunch to be approved for

KingElvis

You can't hold two Barclaycards either, well some say there's some obscure combination but I've never witnessed it.

TheTruthMachine

KingElvis wrote: »

You can't hold two Barclaycards either, well some say there's some obscure combination but I've never witnessed it.

You can, I have a Barclaycard Platinum, Student (They have never closed it they said they upgraded it to Platinum but its still open and active) and Oyster

izools

Not any more. Apply these days with a Barclaycard in your wallet already and it's a polite no in the post.

That is to say Barclaycard branded Barclaycards. You could hold, for example, a Thomas COok card and an Orange card simultaneously.

thenudeone

izools wrote: »

That is to say Barclaycard branded Barclaycards. You could hold, for example, a Thomas COok card and an Orange card simultaneously.

Seems to be true. I have a Barclaycard, an Egg Card, an Egg Money card (both owned by Barclaycard), and have just been accepted for a Hilton Honours card (operated by Barclaycard):D

bethyblue612

I have a Barclaycard Cashback (previously Morgan Stanley, years ago) and I applied for the latest Barclaycard Platinum BT offer - I was accepted. Much to my surprise.

(I also have both Egg cards, so I will shortly have 4 Barclaycards - or they will close down some of them)