Tesco Credit Card - Who to Appeal To?

Natti_A

Have just been declined for the Tesco Credit Card, and want to appeal the decision.

Anyone have the address? Can't seem to find it on the Tesco Finance Website.

Any help is much appreciated.

PNPSUKNET

Its bank of scotland, to be honest it will be a waste of time though

Natti_A

Are they very harsh then?

Moggles_2

PNPSUKNET wrote: »

Its bank of scotland, to be honest it will be a waste of time though

There's no connection with Bank of Scotland

I have the Tesco card which is operated (though no longer owned) by the Royal Bank of Scotland.

Natti, If you want to lodge an appeal, I would contact Tesco Finance and enquire.
If you ring 0800 505 555, you'll avoid the perishing 0870/0845 numbers

Moggles_2

Natti_A wrote: »

Are they very harsh then?

Tesco is not known to score particularly harshly.

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

Natti_A

Thanks, my credit report seems ok. (Experian score me as "low" though?? From 999 last summer, seems unrealistic to me!)

Think it maybe due to change of address (4x in one year) its the only really adverse thing on my report.

Have got 2 recently settled accounts which should show that I'm reliable.

Oh well... I'll appeal it.

never-in-doubt

Here is a template letter:

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

Tesco address to write to is:

Tesco Personal Finance plc
PO Box 5747
Southend on Sea SS1 9AJ

Taken from here: http://www.tescofinance.com/personal/finance/finance/creditcards/contact.html

PNPSUKNET

Moggles wrote: »

There's no connection with Bank of Scotland

I have the Tesco card which is operated (though no longer owned) by the Royal Bank of Scotland.

Natti, If you want to lodge an appeal, I would contact Tesco Finance and enquire.
If you ring 0800 505 555, you'll avoid the perishing 0870/0845 numbers

If you google the postcode you will find that it is.

Moggles_2

PNPSUKNET wrote: »

If you google the postcode you will find that it is.

The Bank of Scotland and the Royal Bank of Scotland are two entirely separate banks.

As above, I have the Tesco card which is operated (though no longer owned) by the Royal Bank of Scotland.

Moggles_2

It maybe due to change of address (4 x in one year) It's the only really adverse thing on my report.

These moves will temporarily disrupt your credit rating, as I think you realise.

Lenders like stability, so best practice is to apply for credit facilities, where possible, before you move/change jobs/change banks. Being with the same employer, bank and current address for a while, all help when applying for credit.

Are you on the electoral register at your new address? Lenders score us differently, but everyone's credit rating improves no end once registered

cifpower

I appealed and was asked for 3 months of bank statements and 2 utility bills. Then I was asked for proof of all my income (I thought they could look at the bank statements but obviously not :rolleyes:) and then they asked for a copy of my credit report.

I gave up in the end.