Second credit card withe same provider

book12

When applying and getting accepted for a second credit card with the same provider, which of the following will happen:

1. Brand new/seperate credit limit for the second card
2. Credit limit of first card will be split to be put on the second card (e.g. first card credit limit is £4000, then second card has £1500, leaving the first card witg a credit limit of £2500).

Particularly interested in having either a second Barclaycard or a Halifax one.

JimmyTheWig

It will be the first.
Though I'm not convinced that you'll get accepted.

[Though you can easily add a second card holder, if that's what you mean?]

book12

Thanks for the reply.

Not adding a second card holder.

Why won't i get accepted for a second dard with the same provider?

john1002

Barclays no longer offer a second card if you already hold one, only ones I know who do are MBNA abs maybe try one in the same group but different brand like marbles and Aqua although these are designed for poorer scorers.

John

john1002

Oh and Halifax don't but you can get another in the Lloyds group such as bank of Scotland or Lloyds.

John

zagfles

john1002 wrote: »

Oh and Halifax don't but you can get another in the Lloyds group such as bank of Scotland or Lloyds.

John

Yes they do, I got a second one a few months ago. Both Clarities!

I originally phoned them to see if they would upgrade my Clarity to a Reward Clarity, but they said I couldn't, instead suggested I get a new card. Which is even better, as I can use one for cash and the other for spending without any confusion as to what I need to pay off to minimise interest, plus having another fee free card for use abroad.

To answer the OP's question - I got a new credit limit with my new card without having anything taken off the limit on the old card. They also said I could move limits between the cards eg take £1000 off the old one and shift it to the new one, but I've not tried it yet.

Lou85

Tesco Bank have started offering a second card. No splitting of limits though.

book12

zagfles wrote: »

Yes they do, I got a second one a few months ago. Both Clarities!

I originally phoned them to see if they would upgrade my Clarity to a Reward Clarity, but they said I couldn't, instead suggested I get a new card. Which is even better, as I can use one for cash and the other for spending without any confusion as to what I need to pay off to minimise interest, plus having another fee free card for use abroad.

To answer the OP's question - I got a new credit limit with my new card without having anything taken off the limit on the old card. They also said I could move limits between the cards eg take £1000 off the old one and shift it to the new one, but I've not tried it yet.

Good to hear that Halifax allows customers to have two credit cards.

I was planning to apply online for another one through online banking. Did you apply for the second card on the phone or through online banking?

Was your credit limit for the second card more or less than the first card?

zagfles

book12 wrote: »

Good to hear that Halifax allows customers to have two credit cards.

I was planning to apply online for another one through online banking. Did you apply for the second card on the phone or through online banking?

Was your credit limit for the second card more or less than the first card?

On the phone. I didn't phone up for a new card, I phoned cos I wanted to get the Reward payment on my Clarity, they said I couldn't have it but instead I could apply for an extra card which would get the reward so I did in that same phone call.

The new limit was a lot lower on the new card, but they said I can shift the credit limits between the cards. The APR was higher on the new card, but that doesn't matter to me as I'll always pay it off in full and won't use it for cash, I'll use the old card for foreign cash.

than_prutt

It depends on the banks (or issuers), I think. I used to have an MBNA business credit card. Then later I applied for and MBNA personal credit card. I got accepted but MBNA called me to ask how I wanted to split the limit between the 2 accounts as there was a maximum credit limit they could offer under my name.

It might have been due to my business account already had a high credit limit, that's why they couldn't offer me much more credit.

JimmyTheWig

book12 wrote: »

Why won't i get accepted for a second dard with the same provider?

Sounds like you can! Fair enough.
Though I don't really see why you'd want to.