Credit Card Application From Citi
Q: Which of the following is easier/easiest to apply? Citibank Platinum Morgan Stanley Platinum/Gold Nationwide B.S Gold (i am an existing Nationwide customer) Marks & Spencer &more card I am asking because despite earning enough to apply for a platinum card and no debts (i.e., decent credit history), when I applied for an Accucard that has 7months 0% balance transfer, they only give me a ?1,000 Limit (I have much higher credit limit with Capital One, and my credit file should show not only the high credit limit, but the fact that I pay off the balance on time every month). I wonder if this is because I have asked for a balance transfer of > ?1,000 ? Perhaps if I ask for NO balance transfer initially, then it would be eaiser to get a credit card (with a high credit limit)? Also what is the normal minmum credit limit for a platinum card in the UK?
A: -I suspect the Nationwide might be easier to apply for since you already are a customer, they might ask you fill in fewer forms than the others. -Credit limits are not generous, however. I've had 3 of the above and got ?10k from Morgan, ?10k from Citi, but only ?5k from NWide. -The pattern here seems to be that Morgan, Egg, Halifax, Amex and Citi do good credit limits even if you already have lots of others, and the others don't (and I bank with Nationwide too). .
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