22% Natwest

supermanjo

Hi,

if I apply right now, will I be accepted for the natwest 22% CC? It says on the right that it ends on Monday.

I was hopeing to get one but was waiting for the right time, obviously a mistake. I thought it was a standard offer and not a deal.

Will a deal like this pop up anytime in the next 2 months? (when I'll be needing it)

System

Sorry, your post is a bit confusing!

Firstly I assume you are talking about a 0% card at 22 months rather than 22%.

That NatWest card deal does not end on monday, it is the Barclaycard deals.

These deals are available regularly.

Whether you are accepted or not entirely depends on your credit history of which you have provided no information.

supermanjo

teepee83 wrote: »

Sorry, your post is a bit confusing!

Firstly I assume you are talking about a 0% card at 22 months rather than 22%.

That NatWest card deal does not end on monday, it is the Barclaycard deals.

These deals are available regularly.

Whether you are accepted or not entirely depends on your credit history of which you have provided no information.

Haha, apologies. Yes, I meant the Natwest 22 month 0% deal.

My credit history? Well... I had an 5,000 overdraft that I paid off in 6 months which I finished paying of last month. (850 a month) I have a BC with a £1,000 limit (I missed two payments last year on it due to them changing their payment dates erratically but now I have DD set up.) I also have a £2,000 CC with LTSB. All of which are always cleared at the end of the month.

I want to max out my LTSB card, then do a balance transfer that way I'll pay off £100 every month which will basically make it an interest free loan.

Edit: What is the average limit they grant? I make around 24k before taxes a year.

Thanks!

YorkshireBoy

supermanjo wrote: »

I missed two payments last year on it due to them changing their payment dates

Small correction: you missed two payments because you didn't read your statement...twice.

I want to max out my LTSB card, then do a balance transfer

Are you sure that's the best way? I mean, you'll pay 3.2% to shift your purchases spend...that'll knock off the equivalent of 2-3 months 0% benefit, so you're in effect getting 19-20 months 0%.

Why not go for their 'yourpoints' card and enjoy 0% on purchases for 13 months (repaying £150 per month)? Better still, why not go for a 16 month 0% purchase card (repaying £125 per month), eg Tesco?

What is the average limit they grant?

Impossible to answer.