Co-op Cash Card Account

jaydub_2

Hi,

I was declared BR yesterday along with my OH. I applied for a joint cashminder account today over the phone. I was asked why I had chosen a cashminder account and told the lady that we had just gone BR and needed a basic account for wages direct debits etc. She said that was fine and proceeded with the application. Ten minutes later after completing the application she said that it had been accepted. We will recieve a welcome pack within the next two days and approx two days after that we should expect our debit cards and paying in books. I was pleasantly suprised to find how quick and easy the whole application took.

k2nga

Yeah it was like that for me but others i notice they seem to be getting harder to get. My partners mum just applied for one and because we have just moved and were not on the voters register yet although i have sent off the forms they want her life story.

She called them today and they said they should have an answer for her by tomorrow. I will keep you all informed.

dalip

I know this sounds stupid,but you said he applied for a "cash card" account,did you mean cashminder?

If he did not apply for a cashminder account that might be the reason. I know i am clutching at straws but.........

coco1277_2

Hi Dalip , yes sorry I meant cashminder account not cash card lol

dalip

Oh well it was just a thought.:p

Puckoon_2

Only three reasons I know for not being accepted for Cashminder are: Owe 'em money....Not on electoral role....history of fraud

coco1277_2

Puckoon wrote: »

Only three reasons I know for not being accepted for Cashminder are: Owe 'em money....Not on electoral role....history of fraud

Well thats strange then cos he doesnt owe them any money , he is on electrol roll and no history of fraud.
He will have to phone them later when he gets in from work and see what they say.

philnicandamy

coco1277 wrote: »

Well thats strange then cos he doesnt owe them any money , he is on electrol roll and no history of fraud.
He will have to phone them later when he gets in from work and see what they say.

they may not give a reason for refusal....they might tell you to refer to the credit file agencies...as they've done in the past with me when I tried to open a co-op savers account....have you had a look at all three credit agency files?

MercMan

Well my credit history is cr*p. Will ring them and see what they say. OK worst case scenario. What if I can't get a bank account after my BR? What happens then?

philnicandamy

MercMan wrote: »

Well my credit history is cr*p. Will ring them and see what they say. OK worst case scenario. What if I can't get a bank account after my BR? What happens then?

well...if they turn you down appeal
or try barclays......