which credit card company doesn't ask for 3 years history?

mess0804

The question in the title. I have only 2 years since I am in the UK.
I have just one credit card: Barlaycard (got it because it's my bank, but they don't want to increase my limit)
I just tried to apply for Virgin and they said that they couldn't find my history for 2006 and I have to send them bank statements, bills.... which I don't have, so it's a no.

I do not want to try more than another time, so from experience with who do I stand a chance?

farhadhussain

not for a mainstream card probably, but u cud try Aqua and Vanquis..use them for 6-12 months,keep up with payments and u will probably be in a good position to apply for a good card..make sure u get on the electoral roll as well if ur not already on it.. good luck

mess0804

I am on the electorall roll for the past 2 years.

I have a barclaycard with 18% for over a year now (which I pay on time) so i see no point in applying for a rip-off 35% aqua or vanquis.

I have landline and mobile phone contracts which i pay on time... I think I have a good rating... only that I have a history for the past 2 years... and they wanted 3.

nzseries1

allthingsconsidered2009 wrote: »

If you have a bank account with Barclays, a Barclaycard which presumably sends you monthly bills AND a landline phone, why is it so hard for you to send Virgin the bank statements and utility bills that they have asked for?

The OP says they have only been 2 years in the UK, whereas Virgin want to see your history for 3 years.

I had the same problem - I moved here mid 2006. Virgin asked me for 3 years of address history, and I couldn't give it to them. However when I called they actually said it is okay and they gave me the card anyway.

OP - here are other cards I have successfully applied for without 3 years of address history - they may be worth a try:

Ulster Bank Gold Card
Bank of Scotland Credit Card
M&S Card.

Bank of Scotland (or Halifax) are most generous with their cards from what I've read on this site - other people may have other opinions though.

nzseries1

allthingsconsidered2009 wrote: »

I very much doubt Virgin are asking for three years of bank statements and utility bills.

They did specifically say they needed to verify my existance on the electoral roll for 3 years (as they couldn't do it electronically), OR I had to send in ONE bank statement that was 3 years old with a UK address on it.

mess0804

allthingsconsidered2009 wrote: »

I very much doubt Virgin are asking for three years of bank statements and utility bills.

they didn't asked for 3 years statements... just for one from 2006 as from 2007 they can see that I am on the electorall roll and have accounts, crdit card.

I have phoned them but the person on the phone just looked on the file and said that I need to send them this papers, I said I don't have them, and he just said in this case I will get a letter saying I was rejected. It passed a week since the phone call and no letter from them.

mess0804

nzseries1 wrote: »

OP - here are other cards I have successfully applied for without 3 years of address history - they may be worth a try:

Ulster Bank Gold Card
Bank of Scotland Credit Card
M&S Card.

Bank of Scotland (or Halifax) are most generous with their cards from what I've read on this site - other people may have other opinions though.

Thanks for the reply

I entered the royal bank of scotland website and tryed to aplye but after the name they asked for addresses for the past 3 years ... I don't know if to take my chances...

Please supply your address details. Clicking the Find button will select the address for the given postcode, you simply need to enter your house number, house name or flat number as appropriate. Please note that if you have lived at your current address for less than 3 years, we will also need to know your previous address.

amizaki

EGG ask 2 years history..so, You can try Egg card.