The short answer to your question is no, there isn't any way of knowing what credit limit you'd be offered without applying.
No harm in taking an objective view of your credit situation as it'll be seen by prospective lenders though, so consider the following....
Underwriters will consider total available credit as well as other affordability measures - even if you're not running any large balances then do you have other credit cards?
Having said that, it can be a double-edged sword - if you don't have other credit cards, and evidence of managing them well, then getting a new one with a credit limit of over £20K is somewhat unlikely.
I would make one application. If you get it then go for the loan at a reduced size, if not then the loan @ 2.8% for the required settlement (as long as that is a lower APR than you are currently paying.
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and as long as that is the rate offered - many don't get the headline rate so read the info carefully.
See what credit limit you are offered on application - some of it at 0% is better than none
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It's not about being the best -
It's about being better than you were yesterday.
The chance of your getting a money transfer card with an initial credit limit in excess of £20K is very very low.
If your current credit card has a £5K limit then expect a credit limit in that range. You will not suddenly be given £20K elsewhere. even though your current available credit is disproportionately low in relation to your income.
The existence of £21K outstanding debt will not help the situation.
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No harm in taking an objective view of your credit situation as it'll be seen by prospective lenders though, so consider the following....
Underwriters will consider total available credit as well as other affordability measures - even if you're not running any large balances then do you have other credit cards?
Having said that, it can be a double-edged sword - if you don't have other credit cards, and evidence of managing them well, then getting a new one with a credit limit of over £20K is somewhat unlikely.
Have you checked what your credit files look like, and tried the eligibility checker on here at https://creditcards.moneysavingexpert.com/?money-transfers?
Any views are mine and not the official line of MoneySavingExpert.com.
See what credit limit you are offered on application - some of it at 0% is better than none
Local Money Saving - Wales boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to [email protected]. Any views are mine and not the official line of MoneySavingExpert.com.
It's about being better than you were yesterday.
..........but is it though?
Partial loan repayment may mean the monthly repayment staying the same plus then at least a minimum payment on the card.
IMO getting a loan at a lower rate would be a better solution with as many overpayments as the OP could afford.
If your current credit card has a £5K limit then expect a credit limit in that range. You will not suddenly be given £20K elsewhere. even though your current available credit is disproportionately low in relation to your income.
The existence of £21K outstanding debt will not help the situation.