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Dispute Credit Card Rejection

Innocent_Guy
Innocent_Guy Posts: 5,369 Forumite
in Credit cards
Hi Guys, I'm totally now addicted to MSE!!! Anyone have any ideas what to put on a letter to dispute cc rejection. I am new to credit, Earn over 30k however have just moved into a new house.

Thanks
Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
6 credit accounts closed in 2010!
Official SOS Club number 001 - Dry until 01.07.10

Comments

  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    No Ideas? ....
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • skintandscared_2
    skintandscared_2 Posts: 2,781 Forumite
    Have you any other credit cards/mobile phone contract, etc? Are you on the electoral roll at your new home? It's very likely you'd be rejected if you're not on the electoral roll. I don't know if there would be much point in sending a letter disputing the rejection - they reserve the right to refuse and they don't give out the criteria they are looking for so I'm not sure what it would achieve? It's not about what you earn. My boss is a partner in a law firm and his salary is about 20x what you earn, he has many properties and lots of investments but was refused the Easyjet credit card recently!! The thing with him is that he's very bad at remembering to pay things on time, so I explained to him that he probably didn't actually have a great credit rating just because he was rubbish at paying on time!
    DMP Mutual Support Thread member 244
    Quit smoking 13/05/2013
    Joined Slimming World 02/12/13. Loss so far = 60lb in 28 weeks :j 18lb to go :o
  • sarahs999
    sarahs999 Posts: 3,751 Forumite
    The reasons for cc rejection are mysterious and vary from week to week, depending on the economical climate, the internal workings of the card company and probably what colour socks the MD is wearing. I'd just chalk it up to experience and try another card. Also have a look at your credit file to see if there's anything odd on there.
  • IWantToBeFree_2
    IWantToBeFree_2 Posts: 1,831 Forumite
    If you have just moved house this could effect the decision, especially if you have moved to a different electoral area as you may not be on the electoral role yet.
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