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appealing a declined c/c application

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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

Comments

  • Chocolate_Button_2
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    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
    thriftymomma Posts: 1,107 Forumite
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    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!
    Got Halifax Classic to reduce my interest rate by 5% woohoo - 10/06/08 Thanks MSE!
    Another 3% shaved off 10/12/08
    ANOTHER 4 % June 09:beer:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
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    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
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    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?
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • sscott5581
    sscott5581 Posts: 663 Forumite
    First Post First Anniversary
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    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
    frostlou Posts: 8 Forumite
    Options
    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
    Rose123 Posts: 397 Forumite
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    Dont they just want to see that your outgoings is not more than your incomings?
    Official SOS Club number 014 - Dry until 29.11.09
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