Credit card success !!!

never-in-doubt

frostlou wrote: »

richwell
what exactly did you put in your letter
i'm thinking of appealing a declined credit card too

Read here for a free template, just cut/paste the relevant sections and personalise to your own circumstances including employment, salary and outgoings.

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

Hope this helps

N-i-D

Parki_2

I got declined for an RBS credit card about 14 months ago. But everytime I phone my bank, as I have a current account with them they try to offer me one, and send out the forms to me anyway. Is it worth actually applying? Then appealing when I get declined.

never-in-doubt

Parki wrote: »

I got declined for an RBS credit card about 14 months ago. But everytime I phone my bank, as I have a current account with them they try to offer me one, and send out the forms to me anyway. Is it worth actually applying? Then appealing when I get declined.

RBS work differently mate, they can approve you over the phone/in branch/internet and send the forms but then when you send them back, they do more checks and at this point they find baddies and decline you....

Obviously if you bank with them its worth a try, they do search both EX & EQ and also perform Synectics Solucions, Experian DA & N hunter checks.

Parki_2

I will hold out on that then till the defaults drop off . I think they just like to tease me when I phone up ;p

never-in-doubt

Parki wrote: »

I will hold out on that then till the defaults drop off . I think they just like to tease me when I phone up ;p

Lol, thats about right mate. I get accepted all the time, sign and return forms to then get a decline!

By the way, are you on a thanks sabattical? Tight sod!

Parki_2

Ive give you lots of thanks over the last week! I just seem to have got out of the habit today ;p

Im having one of those days. Im doing well though I still havent used my Capital One card.