rbs taking there time

Innys wrote:

I found they took their time and only offered me £3k which isn't much use on an Egg debt of £13k. Needless to say, I didn't bother and chose IF which were as quick but offered £6k.

I'm assuming you're a stoozer? Even if you're managing "real" debt, the following will apply.

I don't understand people who suffer the credit search and then turn down the limit offered. This search will surely affect future applications so isn't it better to take the £3K, and possibly try to talk it up a little? After all, had you taken it, you would now only be £4K short on your £13K. As Tesco say, "every little helps".

realaledrinker wrote:

I was told to send in 3m bank statements & a copy of the card statement I wanted to BT to.

I can understand 3 months bank statements to check account conduct (maybe they're even checking for stoozing activity although I doubt it), but they can see how much you owe the other card and it's limit from your credit file.

However, and I've just remembered this as I type, when I received my Equifax & Experian reports recently, I noticed a distinct absence of any information whatsoever regarding my current account and it's credit card (with a total available credit of £12K) and also another credit card I have which is run by a MAJOR provider who obviously doesn't report activity to the big two (yet!).

If there's a moral in here somewhere, it's make sure you know what they can see before you tell them what you've got. Get a copy of your credit history file