appealing a declined c/c application

frostlou

hi ladies and gents.
i was just wondering is it even worth appealing a declined credit card application, and how do you go about it?
will they credit check you again?
has anyone been successful in doing it?
any advice much appreciated

Chocolate_Button_2

hi

I recently successfully appealed and got Ulster Bank cc.
wrote them a letter explaining my current credit commitments and explaining that my credit score is not an accurate portrayal of my current financial status. Had to send in last the months bank statements and they ae me the card.

there are templates for letters in the subprime thread.

good luck

thriftymomma

Chocolate_Button wrote: »

hi

I recently successfully appealed and got Ulster Bank cc.
wrote them a letter explaining my current credit commitments and explaining that my credit score is not an accurate portrayal of my current financial status. Had to send in last the months bank statements and they ae me the card.

there are templates for letters in the subprime thread.

good luck

Well done!

never-in-doubt

Here you go: http://forums.moneysavingexpert.com/showthread.html?t=1612333

never-in-doubt

Chocolate_Button wrote: »

hi

I recently successfully appealed and got Ulster Bank cc.
wrote them a letter explaining my current credit commitments and explaining that my credit score is not an accurate portrayal of my current financial status. Had to send in last the months bank statements and they ae me the card.

there are templates for letters in the subprime thread.

good luck

what limit/apr did you get in the end chocco?

sscott5581

I appealed for Bank of scotland cashback card and was accepted with £2K limit at 15.9% which is their typical rate. I have banked with HBOS for over a year now with perfect account conduc.

Steven

frostlou

Chocolate_Button wrote: »

hi

I recently successfully appealed and got Ulster Bank cc.
wrote them a letter explaining my current credit commitments and explaining that my credit score is not an accurate portrayal of my current financial status. Had to send in last the months bank statements and they ae me the card.

there are templates for letters in the subprime thread.

good luck

Hi
what do your bank statements show though?
i mean how can you intergrate your bank statements in proving your financial situation?

Rose123

Dont they just want to see that your outgoings is not more than your incomings?