yorkshirebank gold mastercard

debtdestroyer007

any one applied for this recently?
what agency do they use?
do u get an instant decision and sign up online or do they ask for proof etc and send an agreement in the post to sign
and what are the credit limits like?

thanks guys

never-in-doubt

debtdestroyer007 wrote: »

any one applied for this recently?
what agency do they use?
do u get an instant decision and sign up online or do they ask for proof etc and send an agreement in the post to sign
and what are the credit limits like?

thanks guys

Had one in past
Experian
Sometimes you get instant decision but usually its manual unless excellent credit
Agreement in the post 99% of the time
Credit limits are low to non customers - vary from £700 - £2500. Mine started at £900 and went upto £3000 in like 3yrs so not great.

HTH

p.s. used to have one that is why I know, closed it when I closed my YB account about 2yrs ago so not much has changed because mother in law uses and she still moans about the same stuff that made me leave!

debtdestroyer007

cheers mate..... sending off my application tonight. will update the progress of course

never-in-doubt

debtdestroyer007 wrote: »

cheers mate..... sending off my application tonight. will update the progress of course

did you not do it online then or paper version?

debtdestroyer007

na.... just applying online now. lets see what happens

Innocent_Guy

debtdestroyer007 wrote: »

na.... just applying online now. lets see what happens

how did you get on?

debtdestroyer007

they say they will write to me in the next 10 days

Innocent_Guy

debtdestroyer007 wrote: »

they say they will write to me in the next 10 days

underwriting then?

never-in-doubt

Its because he has applied outwith normal credit scoring times mate - if you apply outside Mon-Thu 08.00-20.00 and Fir 08.00-17.30 then it will be referred as they don't all give decisions when the call centres are shut. Dunno why but it is clearly mentioned on a lot of the applications i've made lately - and trust me, i've made a few alright lol

If you ever apply for owt, do it during office hours - but sometimes going to referral is a good thing if you have a problem that a human would spot and ignore but that a computer would miss and reject.