Highest credit limit?

Cherub62

I am about to start a building project. I am interested in getting a credit card to help with the short term finance of this, so my main priority is a high credit limit, but still on a 0% offer. The duration of the offer is less important. My question is: who gives the highest credit limit (I should have a very good credit rating)? Someone told me that retailer's credit cards (Tesco, M&S etc) tend to give higher credit limits than financial institutions. Is that true?
Thanks

[Deleted User]

MBNA anecdotally give high limits.

Why do you say you should have a high credit rating? Do you have a long history of managing cards and loans well? It will be needed for the better offers.

Cherub62

Never defaulted on a debt. Homeowner for 20 years. Pay my existing credit card off monthly... etc

[Deleted User]

Sounds good then.

I was fearing a 'well, I've always paid for everything in cash my whole life, never needed to use a credit card, so will have a perfect credit rating' type answer.

RichL74

You should be laughing then, try your own bank frst of all.

Cherub62

My own bank does not offer 0% deals. They also finance my business - which is carrying plenty of debt, so I like to keep them separate.

Cherub62

Certainly not that. It seems from here that the number of applications may affect your credit limit (?) so I don't want to be stuck with a low one with my first attempt. Does anyone have any idea of what is commonly offered for someone with a good history - or is at all 'subject to status' etc.
5K would be a useful amount to me.
Thanks

weebit

As mentioned, MBNA tend to give high limits from the outset.

[Deleted User]

5k should be easily achieveable from most mainstream providers if you have an established credit history.

Cherub62

Thanks for your help

emmatthews

Barclaycard and Virgin have both been higher than MBNA for me. Nationwide will tell you the credit limit they will offer you after a soft search.