credit card information

Innocent_Guy

never-in-doubt wrote: »

Tesco Card?

Tesco may be worth applying for, they also give you an instant descion and limit

I still think he is at risk of being declined

never-in-doubt

Moggles wrote: »

It's a help, particularly if he's been with the same bank for a while.

OP, have you checked his credit reports to see what's on there? For help, see page 1 of the *How to obtain credit reports* sticky

I always thought they used internal behaviour scores so could be worth ringing and asking 'whats my chances' or 'am I preapproved' - see what they say before he actually applies?

May be worth a go.....

Innocent_Guy

never-in-doubt wrote: »

I always thought they used internal behaviour scores so could be worth ringing and asking 'whats my chances' or 'am I preapproved' - see what they say before he actually applies?

May be worth a go.....

The above is deffo the best line of action if he wants a mainstream card

linton73

thank you for the advice i'll show him these posts when he returns

i think he may still apply for the above cards
he doesn't need a credit card its just an idea thats popped into his head
he doesn't mind if afew searches affects his credit history in the short term

never-in-doubt

linton73 wrote: »

thank you for the advice i'll show him these posts when he returns

i think he may still apply for the above cards
he doesn't need a credit card its just an idea thats popped into his head
he doesn't mind if afew searches affects his credit history in the short term

The logic there is that a couple of searches show he does in fact exist - I assume he's on the elctoral roll? If so, how long? Do you have mortgage?

If yes to all the above i'd assume he'd get a straight yes from most lenders, sub and mainstream..... :j

clio

N-I-D
I'm sure nat west who are owned by RBS have a standard bank account [Step] thats recorded to the CRA's..

linton73

have a mortgage and have been on the elect roll for about 5 years on the current house.

Moggles_2

linton73 wrote: »

Thank you for the advice. I'll show him these posts when he returns. I think he may still apply for the above cards. He doesn't need a credit card It's just an idea that's popped into his head. He doesn't mind if a few searches affect his credit history in the short term

Bear in mind that potential lenders cannot assess the way you handle credit directly. The best indications they have are the payment history and credit limits on his existing accounts with other lenders.

Once he has operated a starter card (from his bank perhaps) for a bit, he'll find it easier to get the particular cards and credit limits that he wants

Very best
M

never-in-doubt

clio wrote: »

N-I-D
I'm sure nat west who are owned by RBS have a standard bank account [Step] thats recorded to the CRA's..

really? I was sure that Natty said not, but don't quote me until he can clarify. K - can you answer this please?

Sorry disregard my post until this is cleared up, i'll ask SS to come and give his point of view......

never-in-doubt

never-in-doubt wrote: »

really? I was sure that Natty said not, but don't quote me until he can clarify. K - can you answer this please?

Sorry disregard my post until this is cleared up, i'll ask SS to come and give his point of view......

I've PM'd SS and K - will PM BM later so at least we know what the main 3 banks get up to......

for the record

K - Natwest
SS - HSBC
BB - Obvious!

We just need a Lloyds/Hbos employee now LOL :beer:

any volunteers to spill the secrets..?