Lloyd's vs Natwest credit card

aetbaar

I want to apply for one of these cards for the balance transfer deals and was wandering which has the better chance of success of approval and getting the advertised rate

I have a good credit history - any advice welcome as I don't want more than one search in my credit history

jonesMUFCforever

We really cannot advise you here - do you have any accounts with Lloyds or NatWest?

If so they might give you an indication without a credit search if you are eligible for one of their cards.

A lot more information here.

aetbaar

I do have a current account with Natwest that I occassionally use and also have a citibank account who are affiliated with Lloyds as you can pay money into Lloyds as Citi dont have a high street presence

anyway still not sure which one to go for- anyone got any experience of either one and which I am most likely to get accepted for?

jonesMUFCforever

Having an account with Citibank will have no bearing on a Lloyds credit card application.

As you have a NW account can you log into their Internet banking to see if there are any card offers for you?

Certainly in branch Lloyds can only process credit cards to existing customers.

aetbaar

So I applied for the RBS card and was given an estimated credit limit of £480 which was a joke - I was taken to the credit card agreement page but have not signed it yet - what happens if I don't sign it and just log out - has the application already gone through and credit searches done? It does say on the bottom of the same page that they may obtain information from credit reference agencies etc - does that mean they have not done that yet and I can exit the application process due to the poor credit limit

I have since applied for the Lloyd's card who offered me a £3000 limit and took balance transfer and direct debit details etc and said they would contact me in 4 days and let me have a decision - I assumed it was approved but I guess there are final checks they need to do

This stuff is a headache and my credit rating is excellent but as I moved home recently that may have affected a decision

Just curious whether I have the RBS search on file now I guess I can subscribe to experience to check

Tixy

To have given you an estimated limit I suspect they have already done a credit check.