Barclauycard - "responsible lender"

The_Boss

Recently Barclaycard have gone around cutting people's credit card limits left right and centre, saying they are a responsible lender.

I was looking at their loans just now and am interested in applying. I have a Barclaycard Platinum, but was thinking that with their new attitude towards debt and responsible lending, are they tougher to get a loan from than other lenders? I have had my card for almost 11 months.

peterg1965

Barclaycard have just raised my credit limit to £12,500. Wonder what makes me so special! It is a Platinum card and I have just recently started paying the balance off in full each month. I negotiated a permanent rate of 11.9% a couple of months ago by calling and asking what they could do to make me stay one of their customers, I have had a Barclaycard since 1983.

Having said all that I am going to apply for a Nationwide Gold Card before I head of to the US in July, apparently it is significantly cheaper to use abroad, so the Barclaycard is just for 'convenience'.