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bank offering credit card.
kilasuit
Posts: 645 Forumite
in Credit cards
Atm almost everytime i log on to halifax i get them trying to flog me the one card.
Now i dont know but cant i ask them not to show this on my login as its a rather sneaky way of marketing their products as apposed to a banner showing the offer thats on.
also is this sort of maketing targeted at their target market that are most likely to be accepted or is it just targeted at anyone. I ask as i have been gettin this more and more since i managed to get back in to permanent work as was wondering if this had to do with anything?
Now i dont know but cant i ask them not to show this on my login as its a rather sneaky way of marketing their products as apposed to a banner showing the offer thats on.
also is this sort of maketing targeted at their target market that are most likely to be accepted or is it just targeted at anyone. I ask as i have been gettin this more and more since i managed to get back in to permanent work as was wondering if this had to do with anything?
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Comments
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You can choose to opt out of marketing in the following ways:
- Counter (i.e. when branch staff try and flog you things)
- Postal
- Telephone
You can opt out of marketing by writing, calling them or going into a branch.
Hope that helps.
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i just wondered if it was i was being targeted as a hidh & success rate if i was to apply for it. ( not now was more think 3-9 months min as just been accepted for the vanquis visa card and am not goin to over stratch myself)
Its just seemed odd to me tbh thats all.0 -
They show me ads for their ultimate reward and ISAs. VERY annoying and I can;'t find a way to opt out of it,Kavanne
Nuns! Nuns! Reverse!
'I do my job, do you do yours?'0 -
Atm almost everytime i log on to halifax i get them trying to flog me the one card.
Now i dont know but cant i ask them not to show this on my login as its a rather sneaky way of marketing their products as apposed to a banner showing the offer thats on.
also is this sort of maketing targeted at their target market that are most likely to be accepted or is it just targeted at anyone. I ask as i have been gettin this more and more since i managed to get back in to permanent work as was wondering if this had to do with anything?
Hi I asked this same question last week and got told that it doesn't mean anything, its not like you've been pre-approved, No. Unfortunately not - you apply and it gives you same treatment as everyone else - best way to find if you've been pre-approved is to go into branch and ask and they will tell you (obviously being it could be a sale)......
Branch is the only way you'll find out pre-authorised products.
HTH
2010 - year of the troll
Niddy - Over & Out :wave:
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With barclays & Abbey they can tell you your pre-approvals over the phone. I do not bank with Halifax so am unaware of there proceeduresnever-in-doubt wrote: »Hi I asked this same question last week and got told that it doesn't mean anything, its not like you've been pre-approved, No. Unfortunately not - you apply and it gives you same treatment as everyone else - best way to find if you've been pre-approved is to go into branch and ask and they will tell you (obviously being it could be a sale)......
Branch is the only way you'll find out pre-authorised products.
HTHBank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
6 credit accounts closed in 2010!
Official SOS Club number 001 - Dry until 01.07.100 -
Innocent_Guy wrote: »With barclays & HSBC they can tell you your pre-approvals over the phone. I do not bank with Halifax so am unaware of there proceedures
eh? HSBC tell you pre-approvals over the phone? what, at the call centre?
Tell me more matey
2010 - year of the troll
Niddy - Over & Out :wave:
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Sorry mate meant Abbey.never-in-doubt wrote: »eh? HSBC tell you pre-approvals over the phone? what, at the call centre?
Tell me more matey
I have too many current accounts..........
Abbey reckon that they start to pre approve credit cards with a behaviour score of 650 and I am 548 & sutton is 600........
I am not sure how it works with sutton as he has a basic account....
I would have thought that they would upgrade his account if his BS was better than mine!Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
6 credit accounts closed in 2010!
Official SOS Club number 001 - Dry until 01.07.100 -
Innocent_Guy wrote: »Sorry mate meant Abbey.
I have too many current accounts..........
Abbey reckon that they start to pre approve credit cards with a behaviour score of 650 and I am 548 & sutton is 600........
I am not sure how it works with sutton as he has a basic account....
I would have thought that they would upgrade his account if his BS was better than mine!
Oh, I got told that basic accounts do not generate a bahviour score? That was from someone at Natwest/HSBC/Barclays/Lloyds so assuming Abbey work on same principles, being a basic account isn't credit scored - therefore it can't be assessed for credit based products - see where i'm coming from mate?
It was the likes of SS/Barclaysmanager that confirmed this.... 2010 - year of the troll
Niddy - Over & Out :wave:
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Don't know..... None of my account are basic they are all FULL current accounts with O/D & CGC...... May be worth confirming with Sutton laternever-in-doubt wrote: »Oh, I got told that basic accounts do not generate a bahviour score? That was from someone at Natwest/HSBC/Barclays/Lloyds so assuming Abbey work on same principles, being a basic account isn't credit scored - therefore it can't be assessed for credit based products - see where i'm coming from mate?
It was the likes of SS/Barclaysmanager that confirmed this....Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
6 credit accounts closed in 2010!
Official SOS Club number 001 - Dry until 01.07.100
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