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Experian- Natwest preapproved but already have NatWest card
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SwiftS
Posts: 30 Forumite

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.
Thanks!
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.
Thanks!
0
Comments
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M/S is classed under HSBC group.Life in the slow lane1
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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.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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⭐️🏅😇1 -
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 approval0
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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.1
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