Barclays/Lloyds: At what stage of application do you apply for BT?

Clarissa88_2

Hi,

I am thinking about applying for a new credit card to do a Balance Transfer: Barclaycard's 22 month offer with £40 is particularly fascinating, if not Lloyds' 15 month is acceptable too.

For both card providers, when is the earliest stage that I can specify my Balance Transfers? Is it

i) During the Online Application, after knowing my Credit Limit
ii) During the Online Application, but before knowing my Credit Limit
iii) After I receive the card?

The reason I am asking is: I need to do a Balance Transfer relatively soon, and while Barclay's do offer the best deal, it is only so if I can transfer more than £3000 - if they give me a limit less than that, the Lloyds deal appears better. (And I can take a hit from 2 applications - my Lloyds deal is guaranteed and furthermore I have no need for any applications for a long time).

Thanks for any advice!

jonesMUFCforever

First thing is to get accepted for the card.
Then you should know what limit you are getting then you can apply to do a balance transfer.
If you bank with Barclays or Lloyds they should be able to tell you whether you will be accepted without doing a credit score on you.