Fluid application with existing MBNA card

mat5664

I applied for the Fluid card yesterday - the system told me I would not get the 24 months 0% deal but would be eligible for a 19 month one.

Having then filled in the details for £3800 worth of balance transfers (not to MBNA cards) it came back and said the application had been referred.

I have a Virgin card with a £9900 limit with a balance of £1100 on it, so £8800 of available credit). I am guessing MBNA may have an issue with the already high limit on the Virgin card.

If they want me to reduce the Virgin limit I am happy to do so - but will they ask me, or just refuse the other application?

[Deleted User]

I know of someone who had a Virgin card, and applied for a Fluid one.

They got referred, phoned up Fluid the next day, and were approved on the phone. No change of limits required.

mat5664

Just to assist anyone else in the same situation, here is the result.

I spoke to MBNA this morning. They reviewed the application over the phone and approved it subject to me reducing the Virgin card limit. So I am getting an £8000 limit on Fluid and Virgin limit is being reduced by the same amount.

The (very helpful) lady told me that if I had not had the availability to reduce the Virgin card limit, the Fluid card would still probably have been approved, but with only a small limit.