Natwest 0% expired can I get another from natwest?

zeltrax

Natwest 0% expired can I get another from natwest? My balance is paid off and was wondering is it possible for natwest to give me another 0% if I applied or should I be going elseware?

Nasqueron

It's up to them if they want to give you an offer, I'd probably cancel it and give a few months then apply again if you want to use them

Jami74

I've had up to 3 credit cards with NatWest.

Yorkshire_Pud

You cannot open a second card of the same type as your current card.

Above is taken from NatWest site.

Whether the ‘type’ of card changes when the 0% period ends I don’t know but doubt it so then the best option would be to close existing card and try and open another? Usually better to close a card and leave a period between applications so find another 0% card with no transfer fee of which at the moment seems NatWest only unfortunately. Barclays has a 12month 0% card but I applied and haven’t got a decision four weeks later so can’t recommend personally.

wiseonesomeofthetime

Yorkshire_Pud said:

You cannot open a second card of the same type as your current card.

Above is taken from NatWest site.

Whether the ‘type’ of card changes when the 0% period ends I don’t know but doubt it so then the best option would be to close existing card and try and open another? Usually better to close a card and leave a period between applications so find another 0% card with no transfer fee of which at the moment seems NatWest only unfortunately. Barclays has a 12month 0% card but I applied and haven’t got a decision four weeks later so can’t recommend personally.

And yet that is clearly not the case with their sister bank, RBS, as I held a 0% 23 months purchases card from 2022, when I applied and was granted a 0% 23 months purchases card in 2023.

For the record, that surprised me to!!

superM

RBS/Natwest allow max 3 cards. I was told by Natwest previously.  I currently hold 3 cards with Natwest. 

If you bank with Natwest the application is very easy via the app.  If will do a soft search and let you know the credit limit. 

If it tells you the credit limit and also says they need to do further checks that's a referral.  I had that on and off. 

If it says nothing just credit limit that's an approval. 

jefaz07

Yorkshire_Pud said:

You cannot open a second card of the same type as your current card.

Above is taken from NatWest site.

Whether the ‘type’ of card changes when the 0% period ends I don’t know but doubt it so then the best option would be to close existing card and try and open another? Usually better to close a card and leave a period between applications so find another 0% card with no transfer fee of which at the moment seems NatWest only unfortunately. Barclays has a 12month 0% card but I applied and haven’t got a decision four weeks later so can’t recommend personally.

I have 2 balance transfer cars with NatWest. And 1 rewards. So it’s definitely possible. 

Yorkshire_Pud

jefaz07 said:

Yorkshire_Pud said:

You cannot open a second card of the same type as your current card.

Above is taken from NatWest site.

Whether the ‘type’ of card changes when the 0% period ends I don’t know but doubt it so then the best option would be to close existing card and try and open another? Usually better to close a card and leave a period between applications so find another 0% card with no transfer fee of which at the moment seems NatWest only unfortunately. Barclays has a 12month 0% card but I applied and haven’t got a decision four weeks later so can’t recommend personally.

I have 2 balance transfer cars with NatWest. And 1 rewards. So it’s definitely possible. 

I might give it a try myself then as there are very few 0% transfer fee cards around at the moment.

ussdave

The limit is three cards across the group I believe (as already said above).  I had three, recently closed so I'm keeping an eye on when I can get another.  Right now the NatWest checker says I still have the max amount of cards.

Fingerbobs

I opened 0% cards with all three brands (NatWest/RBS/Ulster) last year within a few days of each other. Same credit limit on each card. Each application resulted in a hard credit search.