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  • FIRST POST
    • Joana c
    • By Joana c 7th Oct 17, 7:22 PM
    • 1Posts
    • 0Thanks
    Joana c
    EU citizen, credit card newbie - help!
    • #1
    • 7th Oct 17, 7:22 PM
    EU citizen, credit card newbie - help! 7th Oct 17 at 7:22 PM
    Hi all,
    I'm new to the forum and to be honest completely credit card naÔve. I have been thinking for a long time to get a credit card but always been too worried about getting one and thus delayed the decision. Mostly I was worried to be rejected and have my credit rate messed up. Unfortunately that is exactly what happened. As such I would like some advice as to what to do next. I am a Portuguese woman living in the UK for exactly 5 years this week. Work for the NHS for 4 of those 5 years, full time, permanent 20k+ per year. I have a loan since the beginning of the year, which I used to buy my car. I am a private Tennant. My bank has always been Santander though the bank who rejected me was Lloyd's. I wanted a 0% purchase interest credit card to be able to improve credit rating and maybe spread the cost of a couple of things I have to buy. However I am not afraid of trying again. What should I do? Any advice on how to improve likelihood of being approved, or what might be going wrong? I had 3 different addresses in the last 15 months, though I am hoping to stabilise where I am now.
    Thank you in advance.
    Joana
Page 1
    • jonesMUFCforever
    • By jonesMUFCforever 7th Oct 17, 7:31 PM
    • 24,251 Posts
    • 11,534 Thanks
    jonesMUFCforever
    • #2
    • 7th Oct 17, 7:31 PM
    • #2
    • 7th Oct 17, 7:31 PM
    Ask Santander first - they will know how you run your account - if they won't give you a card try for a credit building one such as Aqua.
    What goes around - comes around
    give lots and you will always receive lots
    • zx81
    • By zx81 7th Oct 17, 7:31 PM
    • 14,331 Posts
    • 15,095 Thanks
    zx81
    • #3
    • 7th Oct 17, 7:31 PM
    • #3
    • 7th Oct 17, 7:31 PM
    One credit search will have little impact on your credit files.

    Try an eligibility checker, or try for a sub prime provider.
    • chattychappy
    • By chattychappy 8th Oct 17, 4:27 AM
    • 6,435 Posts
    • 3,390 Thanks
    chattychappy
    • #4
    • 8th Oct 17, 4:27 AM
    • #4
    • 8th Oct 17, 4:27 AM
    Consider Aqua. An EU tenant of mine was recently accepted despite having been in the UK for just a year. Once you've had that for a few months then look at cards offering the 0% deals etc.

    Your Lloyds "rejection" won't have messed up your credit files. First of all, they don't record the outcome of a search. Secondly, there is nothing with having the odd search in your history.
    • Ben8282
    • By Ben8282 8th Oct 17, 6:17 AM
    • 2,071 Posts
    • 914 Thanks
    Ben8282
    • #5
    • 8th Oct 17, 6:17 AM
    • #5
    • 8th Oct 17, 6:17 AM
    If you have never held a credit card before you are very unlikely to be offered a card with a long 0% purchase period.
    Try one of the credit builder cards, such as Aqua, or your own bank.
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