Second NatWest credit card

SwiftS

I currently have two NatWest credit cards. One was a 0% balance transfer card with a £6700 credit limit. The 0% deal expired on 21st July. I paid it off at the start of July. My second NW card is 0% purchase and Balance transfer. The 0% BT has expired, but the 0% purchase part expires November 2025. I’ve only used this for purchases and
owe about £6000 and have a £8000 limit. I also owe about £12000 on a Lloyds credit card (0% deal expires November this year) and £4500 on a Tesco BT card (0% deal expires April 2025). I have zero balance on my Halifax and M&S credit cards.

I will want to balance transfer as much of the Lloyds one as I can later this year.
The MSE credit club says I’m eligible for a BT card from Tesco, HSBC and Virgin. I’m not eligible for another NatWest card.
If I cancel my zero balance NW BT card now,
is there a chance I could be eligible for a new second card in November? I know they still do a zero fee one, which would be better than paying a 3.49% fee with Tesco etc. Or would cancelling my card damage my credit history and put any credit card offers at risk? 

Thanks 

jefaz07

I have 3 NatWest cards. 2 BT and a reward. 

Have you went through a soft search direct with NatWest?

Nasqueron

You can't transfer from a NW card to another NW card, if you wanted to pay the fee and do it NW to Lloyds and back to NW then you could.

No-one knows except NW what their rules are but 3 months to be a new customer might be a bit tight

jefaz07

i was going to suggest a round robin type of way if the credit limit and duration was the best way to sort it. 

I like the fact they give you an indicative idea of credit limit before you fully apply.