Offered alternative MBNA card

exponential

Hi guys.

Been looking for a B/T card recently as I'm being hit hard with two high APR cards and it's costing me dearly.
Anyway, I tried for an MBNA card with 32 months 0% with a requested limit of 4k but was instead offered the same card with only 14 months interest free period instead.
Now I would love to go through with the application but I'm unsure if A) I would be accepted anyway. Would be offered the limit I requested. C) Don't want a refusal on my files...

I dont know what to do for the best but the two high APR cards are costing me a small fortune.

Any suggestions guys.

chanz4

if offered you less months they will accept

exponential

chanz4 wrote: »

if offered you less months they will accept

Oh brill. I just don't want to waste a search on a card not knowing the limit. Say they only offer a really low limit....it would be pointless. There's no way of knowing is there without applying is there...

jo-bo

It's still worth doing even if you get a smaller than required limit. You'll benefit by transferring some of the higher apr cards off and saving interest.

exponential

Very true jo-bo. I was toying with the idea of waiting until the new year (because I will have paid a bit more of my debt off by then) then maybe I will be offered a better deal?

Am I living in dream world here? LOL

joroshe

Declined credit card applications do not appear on your credit file. It will only show that a search has been done

exponential

Thanks joroshe.

I'm going to bide my time. Not wanting to rush straight into it. Just paid off one of my high interest cards and waiting for that to be updated on clearscore to see if my offers become more reasonable.

Fingers crossed..

john1002

Might be worth noting that clearscore use equifax and MBNA usually search experian.

Good chance you will get your limit if you request BT on application.

John

exponential

Thank you John

Very useful information there. Cheers.