If only some of us mere mortals were offered a card!
Despite having an extremely healthy balance and me using Chase as my main personal account, not yet had a sniff of an offer.
I have however just opened a HSBC credit card at 20 months interest free on purchases and been given an absolute stonking credit limit, so I don’t feel too aggrieved 
Funny you should say that as I made an eligibility check with RBS this morning and was offered a 20-month interest-free purchases period, with what would have been my second largest credit limit.
Held back, for now, as am still deliberating over the intended purchase items as both are more want than need atm 
I am fully aware that they may not make the same offer should I try again, but no free-FX (though not a major issue) is one thing against that card.
Incidentally though, my highest credit limit card, Lloyds, also does not offer no FX fees.
To be fair, my new HSBC credit card has already bought me a new laptop and I’m just about to pay for a holiday on it, which is the primary reason for getting the card. Every holiday I’ve taken in the last 15 years has been done interest free on whatever card has been offering the longest 0 percent period.
If Chase do eventually bother to invite me to apply for a card, I undoubtedly will apply. I like the idea of easy transfer payments from current account to credit card account. I actually found it a chore setting up my payments to HSBC credit card but now it’s done, it’s simple enough.
Nationwide is the one for you then as they treat the credit card as just another account on the app.
I actually have a Nationwide Personal and a Joint account but I won’t bother with their credit card at just 15 months interest free when others are offering 20 months plus. Not even ease of payment through Nationwide’s App would tempt me into applying.
I’ll actually be happy if there’s now at least six months before I’m even offered a card with Chase as that will tie in nicely with my annual late summer holiday in terms of paying for it.
Can I ask why you wouldn’t take up 15 months interest free? If your cash flow supports 15 months interest free payments on something it makes sense to use that offer on something and save the 20+ month for something you’d actually benefit more from taking the extra months on
For example, getting a phone at 15 months interest free, but putting a holiday on a 20+ month card
I normally exclusively use credit cards for paying for our two annual holidays. Our late summer holiday in September, usually costs around £8K and so I like as many months interest free as I can get even though we normally pay the entire balance off within a year. I just like to have a decent buffer zone in months remaining. Useful for unexpected events. My Wife and I have reached that point in life where we don’t need much material stuff anymore.
So do Lloyds and Halifax.
Do you close the cards after they’re paid off and reopen them a few years later to start again? I quite like the idea of this, but thinking that there’s a limited number of banks so you’d eventually run out if you couldn’t recycle them.
None of these offers are explicitly ‘once per lifetime’. I’ve had 3 no-fee 0% Balance Transfer cards from Natwest in the last 6 years, and at least 2 from MBNA, Santander, Halifax and Tesco Bank.
Started out as a bit of of cashflow management but it’s just stoozing at this point.
I was invited 3 days after the launch, used eligibility checker and got rejected due to lending decisions and told to check my Equifax report. Equifax report in order, no issues.
So I went into Lloyds and used their eligibility checker for a second card with them, Got offered 12 months interest free on purchases and balance transfers at 3.2% fee for 0% interest for 12 months, decent limit and could also redistribute limit with existing card.
I didn’t take the card as I didn’t need one at the moment ( I have two running with interest free periods ending December 2025), I just wanted to see how much limit Chase could be offering me. Still I would not take it out if I were eligible till later next year.
Yes, I usually close them a few months after the interest free offer has finished. I recently closed an M&S credit card as I never used it once I’d had my interest free period, though M&S credit limit was utterly poor st just £1k. My other cards are £10k plus limits, M&S refused to increase my credit limit without reason and yet Amex and HSBC have no issues whatsoever. I have a full time job and a pension, go figure 
Kind of strange seeing that M&S are HSBC. Maybe it’s your total limit with HSBC that’s the problem.
No, absolutely nothing to do with HSBC credit limit, I cancelled the M&S card months before applying for HSBC.
The whole credit thing in my opinion is utterly fickle, but that’s just my opinion
It is indeed fickle. I remember years back I had a £10k limit on an ordinary HSBC card but they’d only give me £5k on the Premier one.
Same opinion here.