virgin or barclaycard?

rabialiones
rabialiones Posts: 1,957 Forumite
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in Credit cards
hi, i am considering one of these to balance transfer around £2750 for 0% for 0 fees.
just a few queries if anyone can helpate.
have soft searched with virgin = 100% acceptance.


will either of these give me a credit limit to that amount.- is there any way of finding out prior to application


any advice appreciated
thanks
Nice to save.

Comments

  • Candyapple
    Candyapple Posts: 3,384 Forumite
    First Post First Anniversary Combo Breaker Intrepid Forum Explorer
    rabialiones wrote: »
    hi, i am considering one of these to balance transfer around £2750 for 0% for 0 fees.

    Do Virgin offer 0% balance transfer cards with no fees? I thought they always charged for them.

    rabialiones wrote: »
    will either of these give me a credit limit to that amount

    You won't know until you actually apply, there are too many factors to take into consideration.

    rabialiones wrote: »
    is there any way of finding out prior to application

    Nope.
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
  • rabialiones
    rabialiones Posts: 1,957 Forumite
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    saw a virgin deal couple of days ago at 0% fees , but can't find it now
    Nice to save.
  • gionnetto
    gionnetto Posts: 234 Forumite
    First Anniversary First Post I've been Money Tipped!
    rabialiones wrote: »
    will either of these give me a credit limit to that amount.- is there any way of finding out prior to application

    There is no way to know before applying. However, it doesn't mean you should apply at all costs. The limit you will be given depends on your income and the calculations lenders do on what "disposable income" you have.
    Your cholesterol levels are not seen, or used, by your heart and arteries, so ignore it.
    :eek:.
  • PRAISETHESUN
    PRAISETHESUN Posts: 3,699 Forumite
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    I'm not aware of any eligibility checkers that will give an idea of the limit you'd be offered, only the chance of being accepted. Even if you select the amount you'd like to BT they are under no obligation to offer you a card with a limit high enough to cover this. The only real way is to apply and see what happens, and then transfer as much as you can if the limit isn't high enough to transfer it all. The limit you are offered will depend on many factors, such as your income/expenditure, and the contents of your credit files.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    MBNA and Nationwide are the only ones that give ballpark figures pre-application
  • rabialiones
    rabialiones Posts: 1,957 Forumite
    First Post First Anniversary Combo Breaker
    !!! wrote: »
    MBNA and Nationwide are the only ones that give ballpark figures pre-application


    already have natiowide , want to transfer from there
    Nice to save.
  • wiseonesomeofthetime
    wiseonesomeofthetime Posts: 2,073 Forumite
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    Don't rely on eligibility checkers.

    Barclaycard soft check suggested I was 95% accepted, so I applied.

    Hard check now on credit report, while they think about my application. Hmm.

    Not overly concerned tbh, as only hard check in over 12 months ,I am mortgage free, and have no plans for applying for proper credit, i.e. personal loan any time soon.
  • adindas
    adindas Posts: 6,813 Forumite
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    Candyapple wrote: »
    Do Virgin offer 0% balance transfer cards with no fees? I thought they always charged for them.
    Nope.
    rabialiones wrote: »
    saw a virgin deal couple of days ago at 0% fees , but can't find it now

    They did. I got this one. No fee

    Balance transfers:0% p.a. for 32 months
    Money transfers: 0% p.a. for 32 months

    Back in January 2018. I have seen this offer come and go.
  • Yellow_mango
    Yellow_mango Posts: 450 Forumite
    First Post First Anniversary
    I don’t know the answer to your question, but I have both Virgin and Barclaycards, and prefer the Virgin card (although I’ve never had a fee free transfer), because it has a lower (1%) minimum payment. The BC has a minimum of 2.25%.

    Just something else to throw into the mix.
  • dr_adidas01
    dr_adidas01 Posts: 2,136 Forumite
    Photogenic Name Dropper First Anniversary Combo Breaker
    PRAISETHESUN wrote: »
    I'm not aware of any eligibility checkers that will give an idea of the limit you'd be offered, only the chance of being accepted. Even if you select the amount you'd like to BT they are under no obligation to offer you a card with a limit high enough to cover this. The only real way is to apply and see what happens, and then transfer as much as you can if the limit isn't high enough to transfer it all. The limit you are offered will depend on many factors, such as your income/expenditure, and the contents of your credit files.


    MBNA, Lloyds, Halifax and Nationwide all give an indication as to what your initial credit limit will be.
    Time is a path from the past to the future and back again. The present is the crossroads of both. :cool:
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