What if I apply for the same card I already have with a lender?

moneywow1

I have a Lloyds plat card with a £3.5k limit.

Out of curiosity I just used their eligibilty checker and it said I was pre-approved for all of their cards with a limit of £8k.

What would happen if I applied for one? Would they set another one up, or merge it with my existing one and increase the limit? Or would they just review it after and reject it?

[Deleted User]

You'd either get a second account or be declined on application.

Se1Lad

Might be easier to call/apply on their website and ask for your existing card limit to be increased.  It may be different with Lloyds but I know Halifax will let you have 2 credit cards, but they can’t be the same type - e.g you could have a clarity card and a balance transfer card.

zagfles

gjpowen said:

Might be easier to call/apply on their website and ask for your existing card limit to be increased.  It may be different with Lloyds but I know Halifax will let you have 2 credit cards, but they can’t be the same type - e.g you could have a clarity card and a balance transfer card.

They can, I've got 2 Clarity cards

crumpet_man

Have you had the two clarity cards long?  It may predate existing conditions.  I used to have at least two Barclaycards, now have only one and when I have applied for another I get declined early in the application with the reason given that I cannot have more than one.

I do have two cards from Lloyds and two or more from same issuer but different name/branding e.g. New Day/Amazon/Aqua.

zagfles

About 3-4 years probably. Conicidently I have 2 Barclaycards as well, when they ended their Amex card they said you can switch to any of our other cards, I said I want the Travel card, they said, err, except that one, you can't switch to that but you can have a new one. So I got that plus the replacement for the Amex card. Was going to cancel the replacement but never bothered.

moneywow1

gjpowen said:

Might be easier to call/apply on their website and ask for your existing card limit to be increased.  It may be different with Lloyds but I know Halifax will let you have 2 credit cards, but they can’t be the same type - e.g you could have a clarity card and a balance transfer card.

It hasn't been 6 months since I got it yet, but even then, I doubt they will increase it up to 11.5k

floppydisk1

It's very unlikely that  any bank would simply add automated pre approved ( for  your own information but automated computer generated )  limit to your already existing one. Also bear in mind - it's  a credit limit not a spending target and ask yourself what credit limit is suitable for you, not the maximum you can get ( if you want a big limit and ever even considered maxing it out, stop and think - loan will be always a better option, not as flexible but far  far cheaper ).....   When you read every pre approved offer it clearly states that it's subject  status and checks - read -to hard credit check  and lender own criteria and credit scoring + probably informed guess whether they are likely to make any money out of you ( as that's what's their business after all )  .....