Is there a way to obtain a balance transfer cc with a set credit limit?

Acidforums

Anyone else struggle to balance transfer to a new cc where the credit limit is never defined up front even on a soft search? 

grumpy_codger

Just transfer as much as you can and then apply for another card if needed.

CliveOfIndia

The credit limit will never be defined up-front.  An eligibility check (soft search) will sometimes (not always) give you an indication of what you might get, but even then it's nothing more than a rough estimate.  A lender cannot possibly decide how much they're willing to lend you until your application is processed and they've run all your data through their algorithms.

retiredbanker1

With Lloyds/Halifax/BoS/MBNA  if you qualify for a credit card with them you can do a 'soft' application and they will advise you of the potential limit - pending you passing their credit checks.

DullGreyGuy

retiredbanker1 said:

With Lloyds/Halifax/BoS/MBNA  if you qualify for a credit card with them you can do a 'soft' application and they will advise you of the potential limit - pending you passing their credit checks.

Likewise Natwest and so would assume the rest of their group

magpies79

DullGreyGuy said:

retiredbanker1 said:

With Lloyds/Halifax/BoS/MBNA  if you qualify for a credit card with them you can do a 'soft' application and they will advise you of the potential limit - pending you passing their credit checks.

Likewise Natwest and so would assume the rest of their group

I've literally just done this as wanted to see where I'm at for when I apply later on this year and Lloyds asks you how much would ideal limit would you like and it tells you later what the limit is likely to be.

Acidforums

grumpy_codger said:

Just transfer as much as you can and then apply for another card if needed.

Thanks i was trying to minimise a second card but i get the outcome now..