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£6000 Balance Transfer

£6000 Balance Transfer

Does a 6000 credit card limit allow you to make a £6000 balance transfer? We see many UK credit card customers looking for information, about making a balance transfer of this size.

One of the most common queries that we see, is which UK credit cards are the most suitable cards for a £6000 credit card limit?

Many UK card customers will be able to make smaller balance transfers within their existing credit limit. A credit card with a £2000 limit will allow most small balance transfers to go through, for example.

However, a £6000 balance transfer is more likely to be classified as a larger balance transfer, by most of the credit card companies. This size of balance transfer will require the customer to have a larger than average credit limit.

6000 Credit Card Limit

A 6000 credit card limit allows a customer to spend up to £6000 on their credit card. This could be one large purchase, or multiple smaller purchases. Alternatively, a credit card with a £6000 limit allows a customer to make a large balance transfer from one card to another.

Are you looking to make a £6000 balance transfer to a new 0% credit card?

If so then, you actually need to be approved for a new credit card, with a limit that is higher than a £6,000 credit card limit. This because most UK balance transfer credit cards only allow a balance transfer to be made for, at most, 90% or 95% of your available credit limit.

To illustrate this with an example, consider the following:-

  • Mr Smith would like to make a £6000 transfer from his existing card
  • So he would need a credit limit of at least £6,670 for those cards with a 90% transfer limit
  • Or he would need a limit of £6,325 or more for those cards with the more common 95% transfer limit

A 6000 credit card limit on your new card, would only allow a balance transfer of at most £5700. The main reason the UK credit card issuers have a transfer limit, is to allow for the balance transfer fee. This fee need to be paid, without the customer going above their given credit limit.

Credit Card With £6000 Limit

Before the banking crisis started, back in 2008, getting a new credit card with a £6,000 limit was quite common. However in recent years all of the credit card companies have tended to issue new credit cards with lower initial credit limits.

A £6000 balance transfer is more likely to be available to UK credit card customers who have a good credit rating. These customers will have no recent history of bad debts, or missed payments, and a low level of other credit card debt or loans, in relation to their overall income levels.

All of the following featured credit cards do tend to be more generous with their initial credit limits. As a result, they are likely to be suitable for customers looking for a credit card with a £6,000 limit.


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Card Offers

Balance Transfers:
0% for 33 months
Balance Transfer Fee:
2.7%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

HSBC Balance Transfer*
  • 0% interest for 33 months on balance transfers made within first 60 days of account opening
  • 2.7% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 32 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Transfer Plus*
  • 0% for 32 months on balance transfers made within 90 days of account opening
  • 1.99% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 24 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Shopping Plus*
  • 0% for 24 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 24 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Shopping Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 28 months
Balance Transfer Fee:
1%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

HSBC Balance Transfer Low Fee*
  • 0% interest for 28 months on balance transfers made within first 60 days of account opening
  • 1% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Contactless payments to quickly and securely pay for purchases under £100
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer Low Fee*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You have not held a credit card with HSBC Bank in the last 6 months
Low Balance Transfer Fee
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
3%
Purchases:
0% for 4 months
Representative APR:
20.6% APR (variable)

Card Details

Co-operative Bank Balance Transfer
  • 0% interest for 24 months for balance transfers made within 60 days
  • 3% balance transfer fee, minimum £5
  • 0% interest on purchases for 4 months from account opening
  • All successful applicants will receive this exact rate and offer
  • Online account management
  • Annual Fee: None

Application Criteria

Co-operative Bank Balance Transfer
  • Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
  • You are a UK resident
  • You have annual income of £10,000 or more
  • You are aged 18 or over
Only available to Co-operative Bank customers
Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)
No balance transfers allowed to this card from Co-operative credit cards

What do you do if your new 0% balance transfer credit card does not have a credit card limit sufficient for a £6000 balance transfer. In this case, it is important that you transfer what you can, even with the lower limit.

Rejecting the new card and immediately applying again for another card, may lead to another credit card application being denied. There is no guarantee that your next application would give you a £7000 credit card limit, for example.

This is because repeated applications in a short period of time, may make you look to the credit card companies, as desperate for credit. As a result, you are unlikely to get a 6k credit card limit. In fact, these repeated applications are more likely to lead to you being rejected for any new card.


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Published: May 11, 2022, Updated: May 11, 2022 by Balance Transfer Expert

All 0% balance transfer credit card offers on this website are updated daily