Appilcation accepted but do not want card???

prettypiglets · 15 March 2009 at 6:29PM

Hi Everyone

My husband applied for a Tesco card as we were hpoing to get a low balance transfer rate. he had this message
Congratulations
We are delighted to inform you that your application for a Tesco Credit Card has been agreed. Please complete the information which follows and click on the NEXT button to take you to your Credit Agreement.
17.9% APR BONUS SHIMMER VISA .

If we dont carry on does that mean the account won't be opened as we do not want 17.9% and doing this has caused a credit search on his file.

Any Advice Welcome

Thanks

cifpower · 15 March 2009 at 6:56PM

The 17.9% is just the standard APR after the 0% period ends. But you have been searched already.

Robert_Sterling_3 · 15 March 2009 at 7:03PM

If you have not signed up for it you will not get it.

Moggles_2 · 15 March 2009 at 7:08PM

Unfortunately, the credit search will remain on file whether or not he accepts Tesco's offer, as I think you realise.

AFAIK, the two advertised 0% BT deals are Mastercards, not Visas.
Barclaycard, Capital One and Citi are well known for this sort of caper, but yours is the first report I can remember here involving Tesco.

I'd ring and query the terms of the offer. Tesco has reasonable telephone back-up. I think you can get Tesco Finance on 0800 505 555 and avoid the perishing 0870/0845 numbers.;)

clio · 15 March 2009 at 8:44PM

Snap there hands off 0 % for 14 months is not too be sniffed at..

Moggles_2 · 15 March 2009 at 8:51PM

clio wrote: »

Snap there hands off. 0 % for 14 months is not to be sniffed at..

As far as we know, 0% for 14 months has not been offered, unfortunately.

clio · 15 March 2009 at 8:58PM

Why not ?? tesco do 0 % ... I have the bonus card from Tesco and i got 0%
for 14 months. Surely it's for everyone??

Moggles_2 · 15 March 2009 at 9:11PM

clio wrote: »

Why not ? Tesco do 0 % ... I have the bonus card from Tesco and I got 0% for 14 months.

So have I, but the OP has not been offered the advertised 0% Mastercard deal that her husband applied for.

Instead, he's been offered the Tesco Bonus Shimmer Visa, which I've never heard of. Have you?

clio · 15 March 2009 at 9:31PM

Moggles isnt that the card design "silver shimmer" i think it's called..

clio · 15 March 2009 at 9:38PM

yep thought it was see here.
http://www.tescofinance.com/personal/finance/cao/cards_2.html

Shimmer & Swirl both silver mastercard/visa

never-in-doubt · 15 March 2009 at 9:41PM

I couldn't resist and clicked the little green button (with my shocker credit file!).... amazingly enough it suggested i'd been accepted but it looks same as old RBS screen which means they will decline me later - even though it let me tick box on CCA etc...?

Anyone experience this when they applied? My message looks like this:

Then when I completed, I got this message:

Would you say this is a decline?

Any help appreciated! Crappy limit but hey, if RBS underwrite them then i'll get declined cos they put an application block on me for applying for too many products

Appilcation accepted but do not want card???

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