Nationwide CC question

never-in-doubt

misscutiepie1984 wrote: »

If they are using internal scoring I should be ok cos I have been squeaky clean for about 3 yrs as far as they are concerned.

as far as I know most banks do nowadays but it isn't a guarantee, maybe this just pushes things your way if they are deliberating a yes/no decision purely based on credit score shortcomings... what that means is they would primarily use the info from your credit file and if that was ok, they are likely to give you the card if you bank with them as they have history on you.... :rolleyes:

misscutiepie1984

sure hope so sick of being stuck in this rut

misscutiepie1984

It's good news...... Just looked in my nationwide online banking at it says account opened :j

Don't know what my apr is like or anything yet though.

Innocent_Guy

misscutiepie1984 wrote: »

It's good news...... Just looked in my nationwide online banking at it says account opened :j

Don't know what my apr is like or anything yet though.

Well done,

What was the limit?

Was it pre-approved?

What naughties do you have on your file...

misscutiepie1984

Innocent_Guy wrote: »

Well done,

What was the limit?

Was it pre-approved?

What naughties do you have on your file...

Don't know limit yet... Did have a default on my file but I never received the default notice so i battled to get it removed, which it now is.

But my credit score is only about 490 on experian/equifax and call credit.

The card was not pre approved but i noticed that once my default was removed i could then get an overdraft so i figured i might as well give it a go.

Have had a vanquis card for about 8 months so that has helped i think.

never-in-doubt

misscutiepie1984 wrote: »

Don't know limit yet... Did have a default on my file but I never received the default notice so i battled to get it removed, which it now is.

But my credit score is only about 490 on experian/equifax and call credit.

The card was not pre approved but i noticed that once my default was removed i could then get an overdraft so i figured i might as well give it a go.

Have had a vanquis card for about 8 months so that has helped i think.

Hey well done you - told you not to worry didn't I hehe :beer:

drinks are miss cutiepie then with her shiny new card :j

misscutiepie1984

haha gotta wait to see the lovely apr yet!!!

Typical is 17.9% apr (variable) - scary word lol

Innocent_Guy

misscutiepie1984 wrote: »

Don't know limit yet... Did have a default on my file but I never received the default notice so i battled to get it removed, which it now is.

But my credit score is only about 490 on experian/equifax and call credit.

The card was not pre approved but i noticed that once my default was removed i could then get an overdraft so i figured i might as well give it a go.

Have had a vanquis card for about 8 months so that has helped i think.

Well done tho

misscutiepie1984

Innocent_Guy wrote: »

Well done tho

Thanks - starting to feel NORMAL again so hard to get back to being good enough to not be ripped off.

nosmada

worst bank going for customer service, they find it very difficult to answer phones