What Credit Card Limit, have they given you on your NEW CARD ?

inmypocketnottheirs

Marriott Reward card from Sygma Bank - £5000

[Deleted User]

Amex Platinum Cashback - £6600
First Direct Gold - £3000

mandragora_2

Nationwide recently set me up a new credit card. We've been their customers for decades and they know our habits, incomings and outgoings pretty well
I didn't realise (my own fault for not checking) that the credit limit they'd given me was about half what it had been on my previous card, and not enough for me to use it in the way I usually do - ie for some routine purchases (petrol, insurances etc) and the occasional 'big' spend - eg holidays.
As soon as I realised, I contacted them. The new amount I asked for was less than the monthly amount I have going into my current account. I have no mortgage, no loans, no other cards, and a pretty healthy balance/savings etc. I pay off in full each month, and have set up a d/d to do so.
They hummed and haaaa'd for a week, then told me I could have the amount requested, but that I was *lucky* that this had been agreed.
Given that almost any other cc would have been prepared to give me this amount straight up, and my OH was by now highly irritated, my feeling was they were the lucky ones, to keep our business!!

StevieJ

Wheres_My_Cashback wrote: »

Can't understand the fascination in people constantly asking what credit limits other people have.
Limits are based upon individual circumstance, why does it matter? They give no indication of what someone else may get.

Aqua card (3% cashback) seem to only hand out credit linits of £250 or £500, I thought that was useful information if I was going to apply for one.

BugsyBrowne

My credit limits are"who gives a sh*t" move on get a hobby.

The end of the day doesn't matter if someone has a 15k limit either way its the banks money its like asking whats the biggest loan you've managed to get.

jo-bo

mandragora wrote: »

They hummed and haaaa'd for a week, then told me I could have the amount requested, but that I was *lucky* that this had been agreed.
Given that almost any other cc would have been prepared to give me this amount straight up, and my OH was by now highly irritated, my feeling was they were the lucky ones, to keep our business!!

It's not your god given right to have a large credit limit and to behave like a child about it ( "they were the lucky ones, to keep our business" ) makes you look like a bit of a wally!!

mandragora_2

Thanks for the feedback.

melbell

mandragora wrote: »

Nationwide recently set me up a new credit card. We've been their customers for decades and they know our habits, incomings and outgoings pretty well
I didn't realise (my own fault for not checking) that the credit limit they'd given me was about half what it had been on my previous card, and not enough for me to use it in the way I usually do - ie for some routine purchases (petrol, insurances etc) and the occasional 'big' spend - eg holidays.
As soon as I realised, I contacted them. The new amount I asked for was less than the monthly amount I have going into my current account. I have no mortgage, no loans, no other cards, and a pretty healthy balance/savings etc. I pay off in full each month, and have set up a d/d to do so.
They hummed and haaaa'd for a week, then told me I could have the amount requested, but that I was *lucky* that this had been agreed.
Given that almost any other cc would have been prepared to give me this amount straight up, and my OH was by now highly irritated, my feeling was they were the lucky ones, to keep our business!!

Credit is not a god given right, you should be lucky you were allowed credit.

JournalGirl

Tesco, dec 2012, £7000

sfax

BugsyBrowne wrote: »

My credit limits are"who gives a sh*t" move on get a hobby.

Says someone with 1,000s of posts!:rotfl:

It's useful to get an overview of what other people are getting offered because there are trends over time linked to market conditions. If you don't think it is, simply don't reply to the thread