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card application declined!!!!!
Hi all just looking for some advice here, i have an excellent credit record on checking, i currently have two credit cards which i pay off in full every month,and have a mortgage , i currently applied for the river island store card as my daughter is an addict!! and my friend said you get a lot of good discounts and offers…
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Credit card
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John Lewis Mastercard
hello all just about to apply for the John lewis mastercard, assuming they check equifax only. any suggestions guys, is this easy to get, my credit is fine, except i am using 94% of my available credit cheers
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RBS companies
Hi was just wondering if someone can clear something up for me RBS is a company and i think it has other companies it owns like natwest can anyone tell me exactly what companies they own and if anyone knows how many credit cards you can have with the groups if you know what i mean cheers
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Just applied for an A&L CC - told to contact them before decision will be made
Why would this happen? A message flashed up after i submitted it. I checked my file on experian earlier and its 981 out of 999 - excellent. Not sure if its to do with this. Anyone offer any reasons or have experience of this? Thanks
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How does any 18yr old build credit ?
My son has never had credit but is desperatly trying to build it ,as he would like to buy a motorbike and is unable to pay the total cost up front . He has never had credit but applied for a contract phone and a capital one credit builder card and was turned down for both.Capital one turned his application down as his…
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Paying off CC each month - how to get credit file to match
Hi guys, I have been a fairly regular reader of MSE forums recently, but this is my first posting. Basically on my Egg credit card, I get the statement around the 18th each month - when I applied for the card I stated that I always wanted the DD to be on the 1st of the month so that the balance was covered by salary. The…
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can credit card companies change there mind
i have applied for a natwest platinum and i phoned and they said it had been accepted as it didn't tell me online, but then stupidly i know a day later i applied for a barclay card and that got declined can a credit card company change there mind if they see i have been declined even though it was after?
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Halifax CC Court Threat
Greetings, I wonder if someone could give m some advice regarding my situation. I should probably be seeking legal advice but with the bank holiday it leaves me with little time. I have an oustanding balance of £6200 on a Halifax Credit card. Due to a poor financial situation for the last six months I have been unable to…
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Privacy guard TSB - viewing my file on line
Might be a daft question but.................... I have this facility and want to view it online. It takes me to the Experian site where i have to enter all my details etc. By doing this and viewing my file, will my rating be affected? Thanks
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Amex Platinum Cashback Card Applications
Hi Just wondered if anyone had had problems with the american express website when applying for cashback platinum card. Ive tried twice and it keeps saying *fields marked in red must be completed. Trouble is there are no outstanding fields to be completed so Im completely baffled as to what Im doing wrong! Anyone else had…
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Want to do a transfer from a MBNA card
Hi I have a Virgin Credit card which 0% period is about to end so I need another credit card now, can anyone suggest one not another MBNA (which Virgin is) and not Barclaycard (have one). I have an excellent credit rating. Thanks
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Telephone number to cancel my MBNA C/C
:confused: cant find the number on statement, only have numbers to transfer balances or if i lose my card. ive got the MBNA Classic Card which the rates have boasted to 30+% from 18% when i took it out:eek: now but i refuse to use it so want to close the account, so anyone got the number for it?? and by past experience do…
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Next Directory withdraw credit facility
Next Directory have just told me they can no longer offer me a credit facility due to "adverse info from Equifax" The only thing is that there IS not adverse info on my credit files. Not even one late payment. I'm getting really tired of Next. I've been with them about 4 months and during that time I've had 6 entirely…
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Barclaycard just cancelled card for no reason
Anyone else had this?
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Credit Card in the red. Is it good or bad time to claim?
Hello, First post, so please be gentle with me. Situation: Made redundant. Can't pay card debts and CC company getting heavy. Is now a good or a bad time to request current and historical late-payment charges back? Any advice greatly appreciated. Mr HP.
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Has anyone succesfully sued a credit card company under S75 Consumer Credit Act 1974?
I have a dispute with my credit card company who is refusing to pay me monies that I believe are owed to me under S75 of the Consumer Credit Act 1974. My husband and I secured a deal to purchase an off plan flat. The property was going to be in my husband's sole name. Part of the deal was to pay the agents a Reservation…
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Is this a good idea?
Hi all money savers! New forum member, hope you can help. I have been behind on my payments on an MBNA/Virgin card since losing my job last year. I've had lots of contact from them from different MBNA offices and people, some just aggressively chasing money, some who appear to be genuinely trying to help. I've received a…
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Instant credit card approval - do they do a credit search?
Hi all. I got rejected for two 0% cards last November so spent the last few months impoving my 'credit score' (got copies of my credit files, got put on electoral roll etc). I recently applied for an egg card and got accepted instantly over the internet. What I was wondering though, is do they carry out a credit search on…
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new application, credit card borrowing already over £10K
Hi Looking for some advice really. Was looking at opening a new low rate / rate for life balance trf card and noticed that both barclays and capital one state on their website thats qualifying criteria involves no more than £10K existing creit card debt. Does anyone know whether all companies are now applying this kind of…
