Sygma\Creation Card

TheGenerus1

I have noticed on the creation website that the only creation card on offer under balance transfer (creation branded) is the green one which offers just 6 months on BT.

The only other creation card on offer is the silver one which is a cashback card.

I have since noticed the following links when I type "creation card APR" into google :

http://apply.creation.co.uk/en/Creation-Card/Web_Channel/Cards/Microsite/CardDetails.aspx

and

http://apply.creation.co.uk/en/Creation/Web_Channel/Cards/Microsite/CardDetails.aspx

The first link is a 12 months on BT and the second link is 17 months on BT. Both these cards are Red and do not appear on the creation website.

When you click on the apply button for both, they both lead to the application process for the card (not a dead link or message saying this offer has expired).

Does anybody know why they no longer appear on the website, yet are still active and accesseble through this link?

I am thinking of applying for this card and wondered whether I should or not as I do not want to waste a search if at the end of it, I get a message saying that the card is no longer available.

Finally, can anybody give me any advice on whether It would be possible for me to apply for this card (or another Sygma card) as I have just been accepted last night for the Flybe card, but was given a £1000 limit which will not cover the balance transfer I had in mind when I applied for the Flybe.
The BT amount came to £1900 which I put in under the BT section when applying for the Flybe card but was given a £1000 limit.

Should I wait a couple of days or maybe wait till the Flybe card arrives before applying for another sygma card? Is this even possible, I mean applying for 2 sygma cards in quick application succession.

Do you think that a underwriter will look at the balance transfer I requested and maybe up the limit accordingly? (of course subject to my credit conduct on my reports being satisfactory, which it is).

Many Thanks

Cash_Flow

TheGenerus1 wrote: »

I have noticed on the creation website that the only creation card on offer under balance transfer (creation branded) is the green one which offers just 6 months on BT.

The only other creation card on offer is the silver one which is a cashback card.

I have since noticed the following links when I type "creation card APR" into google :

http://apply.creation.co.uk/en/Creation-Card/Web_Channel/Cards/Microsite/CardDetails.aspx

and

http://apply.creation.co.uk/en/Creation/Web_Channel/Cards/Microsite/CardDetails.aspx

The first link is a 12 months on BT and the second link is 17 months on BT. Both these cards are Red and do not appear on the creation website.

When you click on the apply button for both, they both lead to the application process for the card (not a dead link or message saying this offer has expired).

Does anybody know why they no longer appear on the website, yet are still active and accesseble through this link?

I am thinking of applying for this card and wondered whether I should or not as I do not want to waste a search if at the end of it, I get a message saying that the card is no longer available.

Finally, can anybody give me any advice on whether It would be possible for me to apply for this card (or another Sygma card) as I have just been accepted last night for the Flybe card, but was given a £1000 limit which will not cover the balance transfer I had in mind when I applied for the Flybe.
The BT amount came to £1900 which I put in under the BT section when applying for the Flybe card but was given a £1000 limit.

Should I wait a couple of days or maybe wait till the Flybe card arrives before applying for another sygma card? Is this even possible, I mean applying for 2 sygma cards in quick application succession.

Do you think that a underwriter will look at the balance transfer I requested and maybe up the limit accordingly? (of course subject to my credit conduct on my reports being satisfactory, which it is).

Many Thanks

When I applied for a the Creation balance transfer card last year I put down £3400 for a balance transfer and was given a instant £2000 limit at the time of application.

When the card arrived it had a £4000 pound credit limit and my balance had been transferred in full.

I would wait until the card arrives.

TheGenerus1

Cash_Flow wrote: »

When I applied for a the Creation balance transfer card last year I put down £3400 for a balance transfer and was given a instant £2000 limit at the time of application.

When the card arrived it had a £4000 pound credit limit and my balance had been transferred in full.

I would wait until the card arrives.

Thanks for your reply.

So going by your experience I can assume after you were initially approved for £2000, your application then went to an underwriter who assessed your application, who then approved the credit increase to factor in your full balance transfer.

Fingers crossed it happens to me as well.

By the way, the application only had room for 3 BT. Are you allowed to ring them up and add more BT to the card (credit limit permitting) when the account is opened (within the 90 days)?

stephane_2

If you've been improved already for a £1000 credit limit, I doubt very much that they will now increase it before you are at least 6 months with them....likely that they will not process any of your balance transfer request or maybe just one of them. As for applying for another creation credit card, you'll have to wait a few more months for that.

TheGenerus1

Cash Flows experience suggests otherwise.

I have seen other posts on this site that demonstrates that people have applied for multiple sygma card on the same night and have been accepted for them all.

I just wanted to know whether other people have had recent experience of multiple applications for Sygma cards with relatively small spacing between apps request and if so how short a spacing between apps is considered viable.

jo-bo

If you're registered online with creation when you log out it brings up the red bal trf card that you mention.
With regards to multiple applications it's different for everyone in my experience. I've got several creation cards, the first 2 apps were within a day of each other ( the 2nd app was referred and when I rang up was accepted) and the rest have all been within a couple of months of each other. HTH

bankhater_1965

creation have the highest interest rated cards available

jackjones01

This has happened to me applied but was give 1000.00 credit limit but my Balance transfer was for 1500.00.

:-S

izools

bankhater_1965 wrote: »

creation have the highest interest rated cards available

Go back in your hole mate.

Cards with higher APRs:

Vanquis
Capital One Classic
Capital One Progress
Barclaycard Initial
Barclaycard Classic
Barclaycard Gold
Aqua Card
Amex Platinum Cashback

etc etc.

TheGenerus1

bankhater_1965 wrote: »

creation have the highest interest rated cards available

Well as I stated in my original post, it's half the Interest rate that I am paying now compared to all my subprime cards.

TheGenerus1

jackjones01 wrote: »

This has happened to me applied but was give 1000.00 credit limit but my Balance transfer was for 1500.00.

:-S

What happened when you got the card? Was it just a £1000 limit?