halifax don't give instant decisions anymore

monkeysnail

I applied for IF card and it seems like they do not give instant decisions anymore. I called them and it takes 14 days. Has anyone received the same?

MY husband applied for IF halifax and BOS cc and got approved within 1 minute with credit limit.

Is it just me?

PokerPortal

Maybe you have applied for too many credit cards in too short a time. Most of the time it is better to appeal against a refusal than to apply for another cc.

Rafter

You now have 3 failed applications in one day. It is now highly unlikely you will get any application approved.

Wait until you have checked your credit file and found out what is going on.

R.

YorkshireBoy

monkeysnail, if you are still on your quest to obtain £50K on credit cards, you need to stop, and take stock of the situation before you completely destroy any credit-worthiness you have left.

From memory...

1. Between you, you have existing loans and credit cards carrying debt.

2. You have applied for at least 4 (Egg, MBNA, Mint, & now IF) cards in the last week or so. Edit - better make that 5 as I've just seen your post on an Amex Platinum thread. Are there any more?.

3. You were given only £3.5K credit limit on the Egg card (at this rate you were going to need 15 credit cards between you!).

The (at least) 4 searches will have already "damaged" your credit rating - short term at least.

You've paid (I believe) £25 for some package or other which will help you obtain credit. Didn't it warn you not to make too many applications in a short space of time? I got that information from this site for nothing!

You've been plugging one particular bit of advice from that package - to lie about the purpose of a loan to obtain better credit. This is dubious advice, and possibly illegal to carry out, so this should have warned you as to the "quality" of the rest of the advice being given.

And now, you've made an application for a card with an interest rate of 8.9% APR - an interest rate I warned you about last Friday in this thread...

http://forums.moneysavingexpert.com/showthread.html?t=107119