What's your age and credit card limit(s)?

First year is free with the 123 Current account! Plus there's 1% cashback on supermarket spending

I know that, but it's like after the second year, it isn't free...

Well the stoozing and cashback - I'm a Londoner who uses TfL services a lot! The cashback will pay off- should do so for many.

Still there's nothing wrong with only having the card for a year!

Use the Asda money card, to do all my Asda shopping, which is where I do most of my supermarket spending
Cancel nationwide
Use the old cap 1 card for fuel/trains (ie: to gauge exactly how much Im spending, instead of just guessing)
Use the new cap 1 card for every thing else

Honestly, because of where I am atm, I simply do not spend enough to warrant having a Santander 123 credit card. Once, I spend enough on trains/fuel, I'll probably get rid of my Asda and old Capital one card, and get a Santander 123 card, who should give me a decent limit, because of the amount of money being pushed through

^ That makes me sound rich/arrogant.

That in no way makes you sound rich or arrogant, it makes you sound poor and thrifty. You shop at ASDA and can't tell how much you spend on fuel or trains without another card, you're fiscally irresponsible at the same time

lol I don't think I'm "poor" but neither am I rich. well its more to gauge exactly how much I spend as opposed to intelligent guessing

I think I might get rid of the nationwide card though. it doesn't seem to serve me much purpose, what with a relatively good limit from capital one atm

Don't you read your statements? Your statements tell you what you spend your money on, likewise receipts.

£3k total limit is nothing, wait until you earn the big bucks and get limits from £10k to £100k per card credit has never been so easy

I do but I don't categorise in to what's what. No it isn't but Im happy with the credit utilisation rate I have atm and my relationships with most banks means I can get a decent limit from each bank. I mean my very first credit card, I got a 3K limit from Lloyds on a Lloyds platinum card when at the time you were meant to be earning £15,000 at least for that

That comes across as incredibly irresponsible and foolhardy.

My first card was an AMEX Platinum... I think you're playing the game wrong as you're aiming for not a lot. I bank with ADCB (Excellency), Citi (Gold) and HSBC (Premier) for personal and Emirates NBD (UAE only) and HSBC (Worldwide) for business, my relationship with all of them is perfect, I don't get much from any of them although ADCB offers F1 packages for the Abu Dhabi GP that you can't get through general sale which is good

Get Premium banking first then concentrate on the cards, get rewards and status cards more than cash back unless you really need cash back? You're trying to fool people into think you have the wealth yet you're not actually sending out those vibes correctly with cards from ASDA and Capital One (Aspire is the exception).

See I'd love an amex card however I don't earn enough to get it. like I said if we had an amex bank or amex had a lesser card I'd be happy to build up some history with them and progress to a better card

on credit searches they don't show the specific card you have but the company behind it

I agree amex looks better than Asda but Asda isn't the easiest of cards to get wither. easy cards would be Luma and Asda

I see no benefit to myself if I got premium banking and the two places I'd have premium banking. are Halifax of nationwide. I have a good relation with both these banks (well I need to upgrade my Halifax account because Halifax gave me a "basic" account. how dare they)

besides theres only t-433 cards I'd want in place of my old capital one card and my Asda card

those two are the amex cards,Halifax clarity (provided I only use it for the first £300 of spending each month, £5 cashback is around 1.6% cashback) and Santander 123

AMEX has the Basic, Green, BA and Platinum cards that are all within your reach which you can use to build up on. Why do you think you need a bank with AMEX in order to get a card? Your credit profile in good standing is all you need, I honestly don't understand why you think you can't get a card

What's premium banking to you, is it the BS with insurance or is it banking where you get better service and dedicated teams to deal with you, offered exclusive perks and offers to go to dinners, sports games etc?

No no, I was sayin that its sometimes easier when you bank with someone and push through money, because they can see that you can manage your account

Also, I had a look at Amex Basic

https://www.americanexpress.com/uk/content/basic-card/

And it also has the same "You must earn 20K" rule. I dont earn that much

For me, premium banking, are services, that the banks offer for a set fee each month, like these:

http://www.moneysavingexpert.com/banking/best-fee-charging-current-accounts

Thinking ahead, a few years, Id probably do what my parents do, and pay for a premium account with Halifax, for home emergency cover (mainly the boiler tbh - it's effectively £15/month, instead of £10/month...)

Or I might not, if I can get cover cheaper elsewhere. I already have free European travel insurance, so I think if I had a spouse, make that a joint account, and they'd get it as well, I get breakdown cover, from AutoAid which covers you and a spouse, for £39,and I don't see the point of mobile phone insurance

I don't go to dinners, sports games etc... EVERY month, so those sorta benefits wouldn't be particularly attractive to me, because they'd be cheaper without paying a fee to the bank

You say that you put through £x per month, why don't you put more through to give the illusion that you're earning £20k+? Don't go for the basic, when you get the £20k minimum going through your accounts each year, go for the Gold, SPG, Cash back or BA cards.

Those accounts aren't premium offerings, Barclays and HSBC Premier are premium offerings likewise Citi Gold and Cater Allen for example. Citi Gold (£5k going through each month, can be same £1k going through 5 times) would be the most easily attainable followed by Cater Allen (£5k minimum balance) which gets you a Platinum AMEX no questions asked apparently (shows that AMEX are worthless in the UK ).

Going for an account because it offers insurance (for example) is ridiculous, I went with ADCB for the Abu Dhabi F1 deals (as well as other perks in the UAE), HSBC for international banking (plus business perks) and Citi Gold for the dining/travel perks.

22

£100,000 limit on business credit card, NatWest
£2,000 on personal card, Co-Op

Keep a clear balance on my own credit card. Only use it for insurance, and to have a backup in case something goes wrong.

Your business must be very vaulable and with a good credit rating to get such a high limit!

Your business must be very vaulable and with a good credit rating to get such a high limit!

20. Don't have any. I have enough money not to need them