We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Online application for Post Office credit card
tenchy
Posts: 486 Forumite
in Credit cards
Here's a thought - just applied online for a Post Office credit card and they couldn't agree to the application straight away; said they would have to write to me. I immediately cancelled the application and didn't tick the final checkboxes. However, I assume by this point they will have carried out some checks, possibly including a CRA check, which will then be recorded, and might go against me.
So - maybe it wasn't me that applied! (hypothetical). Maybe it was someone who knows me (and knows enough about me) and who wants to screw up my credit rating. What safegurards are there to stop this sort of thing happening - if any?
So - maybe it wasn't me that applied! (hypothetical). Maybe it was someone who knows me (and knows enough about me) and who wants to screw up my credit rating. What safegurards are there to stop this sort of thing happening - if any?
0
Comments
-
Why did you cancelled the application?0
-
Needed the card right away with minimum delay - going abroad. PO card gives commission free use, Might just have to use cash instead.0
-
Call them up. They'll answer all your questions.
0800 169 20000 -
To get the point in the application where they advise you that they can not make an immediate decision is after the point where you have submitted your application and agreed to them performing the checks.... you will have ticked boxes...0
-
kevin.philips wrote: »To get the point in the application where they advise you that they can not make an immediate decision is after the point where you have submitted your application and agreed to them performing the checks.... you will have ticked boxes...
Presumably then, the answer to my original question is "none".0 -
I applied and told them I already have five active cards and got declined through the post.Total Debt -was £14,700 aprox NOW £13,835
Paying each month-800-850 (hopefully)
Hope to be debt free about aug 20100
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.1K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.1K Work, Benefits & Business
- 603.7K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards