Experian- Natwest preapproved but already have NatWest card

I have about £6000 on a M & S 0% purchase card which is due to expire.
I did a credit card search on Experian for a balance transfer card.  
A Natwest 14 month 0% fee BT card came up as 'pre-approved'.
I already have a Natwest 0% BT card (accepted Sep 2022, 0% ends July 2024) and I owe £2800 on this.
Is this a problem or will my existing NW BT card already have picked up? I don't want to be rejected as I'll have to make another application for another card and wouldn't want a rejected credit application on my record.

If the NW application was approved I'd plan to transfer my M & S balance and about £2k from a Lloyds credit card. I'm sure they are different banking groups? Let me know if I'm wrong!  I know I won't be able to transfer the old Natwest balance to the new card.



  • born_again
    born_again Posts: 13,665
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    M/S is classed under HSBC group.
    Life in the slow lane
  • Brie
    Brie Posts: 9,305
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    Natwest is part of RBS and Lloyds is separate.

    Does it say anything that 0% deals are for new customers only??  That might be the crucial thing rather than whether you are allowed a second card.
    "Never retract, never explain, never apologise; get things done and let them howl.”
  • SwiftS
    SwiftS Posts: 29
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    edited 7 January at 1:53PM
    It didn't say that on Experian.  I've just done a check on this site for credit card eligibility and the same NW 0% 14 month BT card comes up as 0% chance of approval :(
  • daivid
    daivid Posts: 1,202
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    The eligibility checkers on such sites are far from perfect. MSE credit club gives me both 90% and 0% chance of approval for the same tesco 0% no fee BT card.
    If are still looking for a BT card Santander have a 0% no fee card (unless pulled in last few weeks), doesn't seem to show on comparison sites and has its own soft search eligibility checker.
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