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Can't Get Anything Help!!!!

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ONEILL113
ONEILL113 Posts: 23 Forumite
in Credit cards
I Have Applied For Credit Cards, Got Turned Down Every Time. Got 2 Cards Both Eyeballed Don't Know Where To Turn Next. Have Spoken To Both Banks Barclays And Halifax Both Just Turned There Noses Up And Basically Said Get Lost.

MOST UNDERSTANDING BANK 15 votes

BARCLAYS
6% 1 vote
HALIFAX
13% 2 votes
NATWEST
46% 7 votes
HSBC
33% 5 votes
«1

Comments

  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Your Credit Rating: How they decide and how you find out for free

    http://www.stoozing.com/credscore.htm

    P.S. If you believe that you have good credit rating, check you credit files.
    Otherwise you can look for more understandg, for example, from Capital One: credit card for no credit history
  • ONEILL113
    ONEILL113 Posts: 23 Forumite
    I already have a capital one card and a barclaycard and a bank account with barclays and halifax which are both totally usless
  • Ganyam
    Ganyam Posts: 2,666 Forumite
    1,000 Posts Combo Breaker
    you havn't got a pole about the worst and that would be HALIFAX
    If you think nobody cares about you, try missing a couple of payments.
  • inmypocketnottheirs
    inmypocketnottheirs Posts: 4,745 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    There is no point about having a poll about banks! They are all as bad as each other, you might as well have a poll about would you rather be stung by a) a wasp or b) a bee!
    Don't lie, thieve, cheat or steal. The Government do not like the competition.
     The Lord Giveth and the Government Taketh Away.
     I'm sorry, I don't apologise. That's just the way I am. Homer (Simpson)
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    If you have a Capital One card and a Halifax one why do you need another?
  • dc
    dc Posts: 2,547 Forumite
    I think they dont trust your ability to pay back, so cut down on the spend. Dont forget the banks and their credit cards tend to be serarate companies. eg I trust Barclaycard but not Barclays Bank.

    Everyone has banking problems at some time, whether it is "the computer" or your wanting to bend their rigid rules ( which are always in their favour btw ) or just mis-timing.

    IMHO customer relations have got and will get worse, the quality of staff seems strained. You have fall outs but you will still have to have one, and sometimes the devil you know maybe best of a bad bunch.
    Strange how not one entry in your poll, tells a story.

    I have just left A&L because of mistakes and poor telephone attitude to ppl, and into the Nationwide fire, who dont seem to be able to read print accurately :rolleyes:

    As grumbler advised check your credit rating.
    ac's lovechild
  • ONEILL113
    ONEILL113 Posts: 23 Forumite
    i have checked my credit file and it seems to be to be o.k, however is there a bank account or credit card that i can get without being credit rated? i have a capital one card and a barclaycard, and a bank account with halifax myself and the other is a joint account with my partner, my partner has a bad credit record and thinking of going backrupt is this going affect my chances of getting anything or do you think it would be a good idea. :confused:
  • ONEILL113
    ONEILL113 Posts: 23 Forumite
    i have printed my credit report off, do you think by taking it into a bank they might think different if i faced them? just an idea
  • Penny-Pincher!!
    Penny-Pincher!! Posts: 8,325 Forumite
    Halifax have always been great too me. Banked with them for a while and have a Halifax One CC with a 14k limit. CS always been helpful. Infact, so have Barclaycard.

    PP
    xx
    To repeat what others have said, requires education, to challenge it,
    requires brains!
    FEB GC/DIESEL £200/4 WEEKS
  • Mark7799
    Mark7799 Posts: 4,806 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Like another poster, I'm still puzzled as to why you want another credit card?

    If it's to repair your credit, you'd do just as well to get the other cards back in order and use them properly
    Gwlad heb iaith, gwlad heb galon
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