Question for those who moved to London from the US. Is it possible to get a UK credit card with a decent credit limit (aside from Amex; e.g. Visa/MasterCard from a UK bank). Will HSBC approve a UK credit card if you have a Premier account with them in the US or another country? TIA!

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I believe most banks will need to do a credit check that includes at least 3 years' address history in order to give out credit.

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Also you don’t really need 3 years - just put 3 years in the application form and see if it works

I would advise you to go old fashion… go down to the agency and speak to your manager… I’m sure they will be able to do better than online comparator sites!

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I've heard that banks like Citi would be ready to do background checks in home country but provided you have a priority/premium account with them.

If you have a Premier account with the likes of HSBC or Citi they should be able to help set you up in the UK and move your existing relationship across

I got an Amex pretty soon after moving here and I had only Monzo and Starling accounts, so no high street bank accounts.

If you have a US Amex card, AMEX will recognize you in the UK as the same customer and same credit history, and give you a card. Nobody else does that. Even HSBC Premier wouldn't give me a credit card without 3 years residence history in the UK despite them holding and being able to see $100k+ of assets on HSBC accounts.

I'm an American who moved to the UK.

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