First Direct credit card

YorkshireBoy

tictax wrote: »

I think the key is subject to status. The preliminary internal information that they have on you indicates that you have a higher likelihood of being accepted but this is not a guarantee once a full credit search is carried out as new adverse credit information may come to light then which will mean that the application will be declined.

It may also be that you pass a preliminary credit scoring method but you may not pass the full one.

I don't know how FD operate (only been with them for 6 months), but when Halifax told me there was a pre-approved card (well, 2 actually ) waiting for me they DID NOT externally search me.

As I said in post #4 above though, if you'd rather not incur a credit search then give them a ring and ask. That's what I did with Halifax and they completed the application over the phone. That way, you'd know if they wanted to externally search you because, under their privacy policy, they MUST ask your permission first.

YorkshireBoy

sofa_surfer wrote: »

If you are with FD for taking advantage of the £100+£100 offer, see whether the slow stooze will gain you more than the second £100

There's a useful slow-stooz profit calculator here...

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

brookerbabyisababy

thanks for that.