Chances of 23 y/o getting approved for a £10k credit card to buy a car?

Question

So my old car has had its time and I'm looking to buy a 3-4 year old car for around £9-10k. I have personal savings exceeding this amount so buying in cash is an option, however I have recently learned about 'purchase credit cards' with 0% periods which are appealing for a few reasons:

Provided I pay it within the 0% period (usually 18 months), it is free borrowing
Allow me to make monthly payments without getting locked into the high interest rates and long terms of a PCP or HP
Covered by section 75 in case there are any issues with the car
Builds a good credit history

However, I am not sure of my eligibility due to my age (23) and income (£25k) and do not want to be laughed out of the bank by asking for such a high limit.
I have had a student credit card for the last few years as well as paying for various bills, so I have an Experian credit score of 999, as well as having the cash to hand and a proven track record of paying all bills in full either on time or early.
My question is, what is the likelihood that any bank would accept me for an account such as this? I have never actually applied for a credit card before so am not sure how limits and terms are gauged, so any help is much appreciated.

AakashM · Answer

These days there exist various credit card eligibility calculators which only conduct soft searches (ie they do NOT count as a credit application for credit file purposes). Try some of them and see if they give estimated credit limits (I'm not sure if they do or not).
Examples of such:
MoneySavingExpert
uSwitch
Compare the Market

Venkataraman R · Answer

I would suggest you to go for auto loans instead of credit card based purchase. Auto loans are pretty straight forward approach. The reasons to go for auto loans are:

Auto loans generally have lower interest rates compared to credit cards
How much are you sure that you will pay off the loan within 18 months ? If you are not able to do so, might get into bigger debt problem.
What is the guarantee that the credit card does not change the 0% interest ?
When you go for bigger credit card debt, your credit score will get affected, as credit to debt ratio will increase.

Personally, I prefer debit card over credit card. I would suggest you to save money and then buy car. If you very much need the car, go for auto loans.
Update
I missed to note that you have got cash already. As you are already having cash, why are you complicating the things by going for credit card. Have enough emergency fund and pay as much as cash as possible and go for remaining portion as auto loan. Or if you could wait, save some more money and pay the car fully using cash.

Chances of 23 y/o getting approved for a £10k credit card to buy a car?

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