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Can you find out a card's credit limit BEFORE applying or not?

nero33
Posts: 231 Forumite

in Credit cards
I am looking for a Credit Card that will give me a 0% on purchases for 18month+
I have a Barclaycard at the moment and tried to increase my current limit to £5000 from £3500 but that was rejected. Had it for 4+ years and never delayed any payments on it.
I've looked at some of cards currently available and there are 2 that appeal to me - M&S & Lloyds. But no indication of what the limit might be, other than repayment examples based on £1200 limits.
Is it just a matter of applying and seeing what they decide is best for me? THanks
I have a Barclaycard at the moment and tried to increase my current limit to £5000 from £3500 but that was rejected. Had it for 4+ years and never delayed any payments on it.
I've looked at some of cards currently available and there are 2 that appeal to me - M&S & Lloyds. But no indication of what the limit might be, other than repayment examples based on £1200 limits.
Is it just a matter of applying and seeing what they decide is best for me? THanks
0
Comments
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Short answer: Not possible, simple1
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Marchitiello said:Short answer: Not possible, simple
There are now a number of cards that when you complete the eligibility check directly on the lenders website an INDICATIVE limit is given (Not guaranteed but it should give you a ball-park figure) - currently I'm aware the following offer this service:
Lloyds
MBNA
Santander
John Lewis (Newday)
Asda
Nationwide
There may be others. Try the eligibility checkers directly on their websites and avoid comparison website checkers.2 -
cymruchris said:Marchitiello said:Short answer: Not possible, simple
There are now a number of cards that when you complete the eligibility check directly on the lenders website an INDICATIVE limit is given (Not guaranteed but it should give you a ball-park figure) - currently I'm aware the following offer this service:
Lloyds
MBNA
Santander
John Lewis (Newday)
Asda
Nationwide
There may be others. Try the eligibility checkers directly on their websites and avoid comparison website checkers.
Indicative is not definitive and there have been many reports over time here and elsewhere that the actual limits given was lower, some time much lower that the INDICATIVE limit.
some time works the way around too though as I was given three times the INDICATIVE limit on my last Lloyds card, so I was correct, you cannot know the credit limit in advance, but may get some indication of what it could be1 -
Marchitiello said:cymruchris said:Marchitiello said:Short answer: Not possible, simple
There are now a number of cards that when you complete the eligibility check directly on the lenders website an INDICATIVE limit is given (Not guaranteed but it should give you a ball-park figure) - currently I'm aware the following offer this service:
Lloyds
MBNA
Santander
John Lewis (Newday)
Asda
Nationwide
There may be others. Try the eligibility checkers directly on their websites and avoid comparison website checkers.
Indicative is not definitive and there have been many reports over time here and elsewhere that the actual limits given was lower, some time much lower that the INDICATIVE limit.
some time works the way around too though as I was given three times the INDICATIVE limit on my last Lloyds card, so I was correct, you cannot know the credit limit in advance, but may get some indication of what it could be
The Op mentioned that they'd looked at two cards with no indication as to what the credit limit would be. One of those cards does give an indicative limit as I outlined. That would at least give the OP an idea as to whether they wanted to proceed if the indicative limit was within the scope of what they wanted.
On both occasions I completed an eligibility check that gave indicative limits - I got that exact same limit.2 -
NatWest also gives an indication of the credit limit to be offered before an application is completed. (Their eligibility checker is a preliminary stage of the application process. You have to start an application, then get an indication of the available credit limit, then complete the application if it's acceptable.)
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cymruchris said:Marchitiello said:cymruchris said:Marchitiello said:Short answer: Not possible, simple
There are now a number of cards that when you complete the eligibility check directly on the lenders website an INDICATIVE limit is given (Not guaranteed but it should give you a ball-park figure) - currently I'm aware the following offer this service:
Lloyds
MBNA
Santander
John Lewis (Newday)
Asda
Nationwide
There may be others. Try the eligibility checkers directly on their websites and avoid comparison website checkers.
Indicative is not definitive and there have been many reports over time here and elsewhere that the actual limits given was lower, some time much lower that the INDICATIVE limit.
some time works the way around too though as I was given three times the INDICATIVE limit on my last Lloyds card, so I was correct, you cannot know the credit limit in advance, but may get some indication of what it could be
The Op mentioned that they'd looked at two cards with no indication as to what the credit limit would be. One of those cards does give an indicative limit as I outlined. That would at least give the OP an idea as to whether they wanted to proceed if the indicative limit was within the scope of what they wanted.
On both occasions I completed an eligibility check that gave indicative limits - I got that exact same limit.1 -
blue.peter said:NatWest also gives an indication of the credit limit to be offered before an application is completed. (Their eligibility checker is a preliminary stage of the application process. You have to start an application, then get an indication of the available credit limit, then complete the application if it's acceptable.)0
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nero33 said:blue.peter said:NatWest also gives an indication of the credit limit to be offered before an application is completed. (Their eligibility checker is a preliminary stage of the application process. You have to start an application, then get an indication of the available credit limit, then complete the application if it's acceptable.)1
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halifax give an indicative limit, same as lloyds and mbna - same group of companies1
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blue.peter said:NatWest also gives an indication of the credit limit to be offered before an application is completed. (Their eligibility checker is a preliminary stage of the application process. You have to start an application, then get an indication of the available credit limit, then complete the application if it's acceptable.)
line with cards I held with them
before, and final limit was £5750… very accurate 🙈0
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