Help!: PostOffice credit card application process is driving me mad!

Moggles_2

ElkyElky wrote: »

"If you are a British, Commonwealth, Irish or European Union citizen living in the UK , you are required by law to provide your name and address for inclusion. " That's an interesting law. Last time I *tried* to register, I got told to !!!!!! off and said they would not add me. I guess they are forcing me to break the law?

'Sorry to read of your difficulties. Perhaps things are done differently north of the border.

Please read #28 above. That should get you started at least

nbr

never-in-doubt wrote: »

I know what you mean, you're 4yrs though, not new

Regards to I.D cards - forget it, they cannot verify addresses - only the person. The electoral register has always been used to perform verification checks and always will do because it is almost foolproof.

You do not lose credit history when you move, your score will dive if you move a lot in a short space of time, rightly so because that is not classed as being stable - to get credit the main criteria is stability (stability to repay amongst others).

If you move you must let the outgoing and incoming council know what your previous address was (there is space on the forms you got) and this then creates the link, as does applying for credit and quoting it as your previous address.

Just out of curiosity, in the country I come from the ID card shows also your address, and you are required to tell the relevant authorities the changes to your details when you move. Before they had only a "paper version" of this ID card, so it took say 1 month to update it, now it is mostly electronic and, from that point of view, you could start benefitting of your history straight away if you wanted to get credit.

This thing about stability and likelihood to repay... mmhhhh... it has got flaws I think... it depends on the peculiar cases.

My case, as an example. I have been with a company for roughly 3 years. Then the company decided to move building, into a new county, and I had to move with them -> change of address. 6 months after having moved with them I found another job in another county -> change of address. So it is 2 relocations in less than 1 year, but does not mean one is unstable.... ones salary could not have changed in the 1st move and even increased in the 2nd, so the likelihood of falling into debt I would say is lower...

never-in-doubt

nbr wrote: »

Just out of curiosity, in the country I come from the ID card shows also your address, and you are required to tell the relevant authorities the changes to your details when you move. Before they had only a "paper version" of this ID card, so it took say 1 month to update it, now it is mostly electronic and, from that point of view, you could start benefitting of your history straight away if you wanted to get credit.

This thing about stability and likelihood to repay... mmhhhh... it has got flaws I think... it depends on the peculiar cases.

My case, as an example. I have been with a company for roughly 3 years. Then the company decided to move building, into a new county, and I had to move with them -> change of address. 6 months after having moved with them I found another job in another county -> change of address. So it is 2 relocations in less than 1 year, but does not mean one is unstable.... ones salary could not have changed in the 1st move and even increased in the 2nd, so the likelihood of falling into debt I would say is lower...

I understand what you're saying but i'm not the one making the rules, i'm just explaining to you.

Regards to I.D Cards the day that happens in the UK will be the day Labour lose power (if they don;t before then). It is a joke and totally unecessary - a fraudsters day out getting hold of one of those whith all your details on there - great plan!

Seriously though, thats the way the system is, proven to work. I.D Cards can be forged (trust me, everything can be copied - except chip&pin) but you can't defraud the council quite the same..... any doubts, they send a doorstep canvasser to see you.

nbr

nothing against you, never-in-doubt...

I am just saying that rules are there, ok, but they are not bullet proof, ever.

A chat with a manager in a bank or at the PostOffice Financial Services, after me explaining all the details of the move etc, would have got me the credit card, maybe, instead of relying in electronic applications and checks. life is not always black and white...

never-in-doubt

nbr wrote: »

nothing against you, never-in-doubt...

I am just saying that rules are there, ok, but they are not bullet proof, ever.

A chat with a manager in a bank or at the PostOffice Financial Services, after me explaining all the details of the move etc, would have got me the credit card, maybe, instead of relying in electronic applications and checks. life is not always black and white...

Now that I do agree with. I am actually an old boy (not really) where I remember having to go in to speak to my Bank manager for my first ever cheque card (way before you had debit cards) - he said yes and let me have a £50 limit on it. He also gave me a CC with a £200 limit (a lot back in 1990)..... that was Midland Bank.

Nowadays, even though the bank can see everything you do including all your bills their systems do not take into account mistakes. Like me, I have an incorrect link at my credit file and get declined a lot cos of it, my own bank even linked me until I told them this was impossible - yea, they delinked me but if wasn;t for the computer i'd never have got linked in the first place!

Bring back the stern looking miserable bank manager. Those were the days when bank managers were always men as well..... just making a point known :eek:

nbr

So, as a summary.

Being things as they are now, i.e. the E/R database will be updated on the 1st of July with my name, I will apply for a non mainstream credit card say at the end of August (time for CRAs to update their database).

To get a mainstream credit card I will then have to wait 1 year or so, I would say. Is that ok?

never-in-doubt

nbr wrote: »

So, as a summary.

Being things as they are now, i.e. the E/R database will be updated on the 1st of July with my name, I will apply for a non mainstream credit card say at the end of August (time for CRAs to update their database).

To get a mainstream credit card I will then have to wait 1 year or so, I would say. Is that ok?

Nah, apply to someone like capital one/barclaycard initial/aqua now and see what they say.

Then if it is a decline wait til July then try Vanquis (better chance with them so dont blow it by applying now as they will expect e/r data) and then give it about 6mth then start to apply for mainstream cards.....

Moggles_2

nbr wrote: »

So, as a summary. Being things as they are now, i.e. the E/R database will be updated on the 1st of July with my name, I will apply for a non mainstream credit card say at the end of August (time for CRAs to update their database).

Yes, if this would be your first credit card in the UK, you probably need to be more concerned about actually getting a credit card, rather than looking for the best cards to meet your present circumstances.

The bank that holds your main current account may be the best place to start

May I ask which country you are from originally?

Moggles_2

P.S. For tips to improve your chances of credit card acceptance, have a look at the *Credit Rating: how it works and how to improve it guide* especially Martin's *Manage and Improve your credit score* article

http://www.moneysavingexpert.com/banking/credit-rating-credit-score#improve

never-in-doubt

Moggles wrote: »

P.S. For tips to improve your chances of credit card acceptance, have a look at the *Credit Rating: how it works and how to improve it guide* especially Martin's *Manage and Improve your credit score* article

http://www.moneysavingexpert.com/banking/credit-rating-credit-score#improve

LOL, you do plug this thread mate - you should have it as a sig - :rotfl: