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Interest free CC and obtaining a 20 to 30k credit limit at application
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Check MBNA. They are usually generous and will show you a credit limit that you will get on a soft search before full application.They offer 0% deals on both BT and MT, reguarly.2
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Barclaycard are not what they used to be, some years back they did a en masse of very large reductions of credit limits. Some people since then have had offers to increase again, but I have the opinion they are one of the tighter providers now.Regardless I cant see you as a new customer getting a 30k limit of the bat.You would potentially if considered highly desirable get maybe close to 10k, so applying for 3 cards could allow you to clear 20k.1
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Chrysalis said:Barclaycard are not what they used to be, some years back they did a en masse of very large reductions of credit limits. Some people since then have had offers to increase again, but I have the opinion they are one of the tighter providers now.Regardless I cant see you as a new customer getting a 30k limit of the bat.You would potentially if considered highly desirable get maybe close to 10k, so applying for 3 cards could allow you to clear 20k.
I was given £4000 by M&S 2 years ago, then £2500 by Santander and £2750 by NatWest over the last couple of years though that might have been limited by existing credit and BTs, Tesco gave me £4000 recently so it's never guaranteed!0 -
Mrs Arty just got a £20k limit on a new card. But her income is a lot more than the OPs, and this is Amex, which is known for pretty generous limits. But not for 0% deals.
So basically, no chance of this working for the OP...1 -
artyboy said:Mrs Arty just got a £20k limit on a new card. But her income is a lot more than the OPs, and this is Amex, which is known for pretty generous limits. But not for 0% deals.
So basically, no chance of this working for the OP...
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Thanks for all the insights thought I'd pop back with an update.
Managed to secure a further advance way over what we need for a fraction over 5%.
Santander agreed 15k with the interest free purchases over the 13 months.
Kitchens going on the CC.
Funds from FA goes in savings account monthly interest higher vs the mortgage rate.
So all round got what we needed to finish the refurb
Wife gets her kitchen
We make a few extra pounds for a while at least on the excess.
Clearscore was definately a good instrument for research.
Wish us luck 🤞😊0
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