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  • FIRST POST
    • Sad_Dad
    • By Sad_Dad 15th Jun 19, 8:34 AM
    • 810Posts
    • 11,731Thanks
    Sad_Dad
    Merging Credit Card Limits Question
    • #1
    • 15th Jun 19, 8:34 AM
    Merging Credit Card Limits Question 15th Jun 19 at 8:34 AM
    In the past I have applied for new interest free offer cards whilst having an existing card with the following companies:-

    MBNA
    Tesco
    Halifax
    Barclaycard

    I have then been able to transfer the limit from the existing card to the new card.

    I currently have the following 3 cards with decent limits:-

    Santander Zero
    Nationwide
    Lloyds Balance Transfer

    It looks like Santander and Lloyds do allow merging of limits but I don't know about Nationwide.

    Has anyone ever done this with the above three or any others cards (for future reference)?

    Thanks.
    Last edited by Sad_Dad; 16-06-2019 at 9:24 AM.
Page 1
    • Gary_Dexter
    • By Gary_Dexter 15th Jun 19, 8:59 AM
    • 5,737 Posts
    • 3,804 Thanks
    Gary_Dexter
    • #2
    • 15th Jun 19, 8:59 AM
    • #2
    • 15th Jun 19, 8:59 AM
    You can only merge limits for cards within the same group/provider/lender.

    Are you saying you’re looking to apply for more cards from the 3 listed with the idea of merging them?
    • Sad_Dad
    • By Sad_Dad 15th Jun 19, 9:02 AM
    • 810 Posts
    • 11,731 Thanks
    Sad_Dad
    • #3
    • 15th Jun 19, 9:02 AM
    • #3
    • 15th Jun 19, 9:02 AM
    Cheers Gary. Exactly that. The larger my balance the more I have to stooze.
    • Gary_Dexter
    • By Gary_Dexter 15th Jun 19, 9:22 AM
    • 5,737 Posts
    • 3,804 Thanks
    Gary_Dexter
    • #4
    • 15th Jun 19, 9:22 AM
    • #4
    • 15th Jun 19, 9:22 AM
    How exactly are you planning on stoozing with these cards?

    Do they offer money transfer deals?
    • Fingerbobs
    • By Fingerbobs 15th Jun 19, 10:44 PM
    • 702 Posts
    • 274 Thanks
    Fingerbobs
    • #5
    • 15th Jun 19, 10:44 PM
    • #5
    • 15th Jun 19, 10:44 PM
    Has anyone ever done this with the above three or any others cards (for future reference)?
    Originally posted by Sad_Dad
    I have "redistributed" (as opposed to "merged") credit limits between two Halifax credit cards quite recently (a couple of months ago). It can only be done over the phone. I reduced the credit limit on my existing Clarity credit card and assigned it to my newly-opened Balance Transfer card. Turns out the maximum credit limit on the new card was 15k, so I couldn't redistribute as much as I had hoped.
    • Sad_Dad
    • By Sad_Dad 16th Jun 19, 9:22 AM
    • 810 Posts
    • 11,731 Thanks
    Sad_Dad
    • #6
    • 16th Jun 19, 9:22 AM
    • #6
    • 16th Jun 19, 9:22 AM
    Thanks Fingerbobs. Redistributed is the better term. I did the same with my clarity card but I went into the branch.
    • YorkshireBoy
    • By YorkshireBoy 16th Jun 19, 12:28 PM
    • 30,792 Posts
    • 18,834 Thanks
    YorkshireBoy
    • #7
    • 16th Jun 19, 12:28 PM
    • #7
    • 16th Jun 19, 12:28 PM
    How exactly are you planning on stoozing with these cards?
    Originally posted by Gary_Dexter
    The objective here is to continue to stooze, not to start stoozing.

    Poster has a stoozed balance held elsewhere.
    They have a nice new 0% fee free BT card, but the stoozed balance exceeds the credit limit.
    So they are simply creating additional, sufficient, credit limit to maximise the deal.
    Done it many times with several lenders.
    • nic_c
    • By nic_c 16th Jun 19, 3:43 PM
    • 2,047 Posts
    • 1,079 Thanks
    nic_c
    • #8
    • 16th Jun 19, 3:43 PM
    • #8
    • 16th Jun 19, 3:43 PM
    I currently have the following 3 cards with decent limits:-

    Santander Zero
    Nationwide
    Lloyds Balance Transfer

    It looks like Santander and Lloyds do allow merging of limits but I don't know about Nationwide.

    Has anyone ever done this with the above three or any others cards (for future reference)?

    Thanks.
    Originally posted by Sad_Dad
    Santander don't allow merging had Zero card for long time with a large limit, got an Everyday card with 0%. Wanted to redistribute limits to allow more stoozing on the everyday card but they don't allow it - they did offer to increase my Zero card though
    • YorkshireBoy
    • By YorkshireBoy 16th Jun 19, 4:29 PM
    • 30,792 Posts
    • 18,834 Thanks
    YorkshireBoy
    • #9
    • 16th Jun 19, 4:29 PM
    • #9
    • 16th Jun 19, 4:29 PM
    Santander don't allow merging had Zero card for long time with a large limit, got an Everyday card with 0%. Wanted to redistribute limits to allow more stoozing on the everyday card but they don't allow it - they did offer to increase my Zero card though
    Originally posted by nic_c
    Is this very recently? 3 months ago I successfully did exactly what you tried to do. And it's not the first time I've done it either.
    • Fingerbobs
    • By Fingerbobs 17th Jun 19, 9:07 AM
    • 702 Posts
    • 274 Thanks
    Fingerbobs
    Thanks Fingerbobs. Redistributed is the better term. I did the same with my clarity card but I went into the branch.
    Originally posted by Sad_Dad
    No probs. I thought we were probably on the same page, but I wasn't quite sure whether "merge" might mean something different, so I just wanted to be clear :-)
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