Why was I refused?

suzieq

I used to have a rubbish credit score, refused for everything, but I wisened up and stopped applying for things, and I recently took out the 30 day free Credit Expert trial. I had a look at my score, which was classed as 'Good', so why, when I applied for a Sainsbury's CC was I refused? Do some companies only accept people with impeccable credit scores? And if that's the case, any idea who the more 'lenient' companies are? I have an OD with Barclays, and I want to transfer it onto a 0% (or as close as poss) card, and hopefully then build up my credit score even more.

Thanks!

The_Boss

What credit cards do you have? If you do have some, what are the credit limits and amount used?

suzieq

I don't have any at all.

boogiemaster

Sainsbury’s is a difficult credit card to get for some people, I would advise you to apply for a capital one visa or Barclays ’visa as you have more chance of being accepted.
Once you get a visa and pay on time, then apply for a Sainsbury’s visa after about six months and you might be lucky.

suzieq

Oh fab, I didn't particularly need a Sainsbury's one, it was just one of the first I came across. I'll try for the Capital One card.

Thanks!