Barclaycard Credit Limit v Others

System

I have some confusion on this APR after the 0% finishes

The terms and conditions sent with my form to sign say it will be 13.9%, yet their website is now saying 14.5%.

I think I may get a statement in the next day or so - no doubt there will be a slip saying 'changes to your terms and conditions'.

Not that it matters I suppose - I'll be one of many ditching Barclaycard just before August next year  ;D

chowster

1. Your rough salary - 30k
2. Whether you have current outstanding debts - 80k mortgage - Tesco £400 - MBNA £600 - Egg - £600
3. What limit Barclaycard gave you - £540 >:(
4. Which card gave you the biggest limit and how much - MBNA £12,300
5. if there are any complications that may skew how relevant this is for others, please note.
Just moved house but on electoral roll, no bad credit history..

Debbie_Hobdell

1) Salary - approx 13K  

2) Credit cards vary - I have 6 credit cards but only try to use a max of 3 at a time, taking advantage of 0% & low-interest offers. I currently owe just under 6K in total.

3)  B'Card limit - £1500  

4) Card Provider               Credit Limit              How long
       
  Egg                            £2000                        2 yrs
  M & S "& more"                 £4000                       9 months
  B of Scot (NSPCC)             £1900                       18 months    
  Smile                               £1800                        2 yrs
  Virgin                               £9400                        1 yr
  Beneficial -                        £9500                   ?6 yrs or more!

Virgin offered 0% for 6 or 9 months, then offered me 1.9% when I transferred the balance to another card at the end of that period. Also upped my limit from 7500 to 9400 after 8 months, of their own accord.

Smile refused to increase credit limit recently, but had just increased current account o'draft limit following hubby's job loss. Also go overdrawn every month on my Nationwide FlexAccount.

First Direct - applied for £25 freebie account 2 weeks ago, they've offered me a credit card with £2200 limit, even though I hadn;t asked for it! As B'card is not much, I'll probably go for it & get rid of onw of my other cards.

Hope this helps!

System

1. Approx 16k a yr

2. £1000 loan and 47k mortgage no card debt except a few hundred quid.

3.Barclaycard £2500

4.Other Cards Amex Blue £4600 , Mint £5400 , Egg £3000 and a Capital One No Hassle Paltinum at 5.9 apr £8000

System

1. Your rough salary
£17.600

2. Whether you have current outstanding debts
No current outstanding debts

3. What limit Barclaycard gave you
£3500

4. Which card gave you the biggest limit and how much
HSBC £5800
MBNA £5200

5. if there are any complications that may skew how relevant this is for others, please note.
None that I know of

System

salary; 36k
debts; mortgage 100k, credit cards 2k
barclaycard limit; 7700 (what I requested)
biggest limit; 10k with goldfish

TheDink

. Your rough salary
£40k

2. Whether you have current outstanding debts
£77k mortgage, £12k credit card "debt"

3. What limit Barclaycard gave you
£3200

4. Which card gave you the biggest limit and how much
Egg £12k
MBNA £12.5k (raised to £13.5k)

5. if there are any complications that may skew how relevant this is for others, please note.
None that I know of. The only other time I've had a Barclaycard was my "Student Barclaycard" which from memory had a stonking £350 limit!

System

1. 50k
2. 220k mortgage, 2k cahoot flex loan, 1k cahoot card, 8.6k Mint at the time of application
3. 10k
4. both BC and Mint gave 10k
5. none that I know of...

HTH

Prudent

1. Salary £30k. Age 38

2.Only outstanding debt £118 on mortgage.

3. Just £1450. I have never had a credit card before other than store cards (which I only use to benefit from promtions and pay off balance in full).

4. No other cards so can't compare

5. Only just received card so not aware of complications yet. Though found the process slow, it took 5 weeks from application until i got the card.

System

I stated my salary as £45k which is roughly correct. I asked to b/t £7k. They gave me a credit limit of £3300 & b/trsfrd £2970 (90%).