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0% interest credit card with large limit

10 replies

ChampagneLassie · 04/01/2024 12:16

Hi I'm looking to get maximum free credit limit and recommendations of which cards to try. I've already got a Santander one (who gave me £7K), so they're out but anyone else. We have excellent credit ratings so no special issues. Its annoying that they won't tell you limit until after you've applied and approved. I want at least £5K. Thanks

OP posts:
DelilahBucket · 04/01/2024 12:20

No one can tell you this as it is down to your own credit file and income/outgoings. Money Saving Expert can help tell you which cards you are most likely to be approved for with a soft credit check and I would have thought these would be most likely to give you the biggest limit.

Pushkinini · 04/01/2024 12:23

When I took out a Halifax card it gave me an indication of the credit limit before I committed to taking it out.

ChampagneLassie · 04/01/2024 12:23

Someone who regularly uses 0% cards and/or works for one of them might have an idea of which are more generous. e.g. I know having had 2 cards myself and my partner 1 that Santander are more generous, whereas MBNA are quite stingy (offered £1.5k - our combined earnings are £300K). I don't want to end up with another card with a low limit

OP posts:
Motnight · 04/01/2024 12:24

I got approved for over £5k with American Express just before Christmas, Op.

Dinosaurpoo · 04/01/2024 12:25

virgin gave me £7k just before Christmas and 2 years 0%

ChampagneLassie · 04/01/2024 12:26

Pushkinini · 04/01/2024 12:23

When I took out a Halifax card it gave me an indication of the credit limit before I committed to taking it out.

Thanks thats helpful, didn't know that and the Virgin tip :)

OP posts:
ChorizoDog · 04/01/2024 12:35

MBNA gave me 11k and I earn no where near the amount you do and my credit rating is average 🤷🏼‍♀️

bloodyeffinnora · 04/01/2024 12:48

Barclaycard gave me 12k

lanawinters · 04/01/2024 19:34

I second Virgin Money. I have a £10k credit limit and got an 18month 0% deal with them via Credit Karma. Highly recommend 👍🏼

FuckinghellthatsUnbelievable · 04/01/2024 19:36

Bank of Scotland gave me 4k for 15 months

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