Nationwide new 0% offer 26 months

bluep

Just out of interest, what credit limits have people been offered on this (you can do a quote with no impact on credit record) - I had a look and it provisionally came up with the full 26 month period at 0% and a £7k limit.

Is the the standard max?

BADBT_2

I have an income of £50k, good credit history (no missed payments, mortgage etc), but quite a lot of credit card debt (around £12k on 3 0% BTs) and my 2 day-to-day credit cards with a limit of £7k and £500 always paid off in full.

Probably because of the existing debt, I only got offered a £1k limit. I didn't accept - not worth having the search recorded for just £1k of credit!

bluep

Thanks BADBT - really useful post.
I'm on 60k, good credit history with no missed payments etc..., £2k of CC debt (mostly work expenses that get paid off, then build up again, £9k personal loan with nationwide. Just interested as my last BT card (3 years ago) with MBNA/Virgin Money came in at £15k limit without me asking or needing it. I've only just closed this so my credit report may have not updated yet and still showing this as available.

bsms1147

Where do I go to find out?

bluep

You go partway through their application process - up to the "quote" point where it then asks you if you want to accept and formally apply. Up to that point it is clear that there is no credit check.