catalogue accounts

sutton111

tracy24582 wrote: »

well actually no you dont i kept asking if people think it is better applying online or calling up (i asked twice) but got ignored from every one of you and considering the lot of you have catalogues accounts you figured you'd be able to advise me!!!

What question do you have Tracy? I'll answer it for you if I can.

Rose123

didnt know you had been ignored!!!!!!!!!!!!!!!
I remember someone asking that question and thought an answer had been given

Id always go with applying on the phone because i dont really trust the online thing. One person applied online today and got declined, when he called up, he got accepted!

So that just backs up my theory that applying on the phone is better. Some people have applied online with no issues so I guess its each to their own!

Unless anyone else disagrees?

Rose123

tracy24582 wrote: »

well actually no you dont i kept asking if people think it is better applying online or calling up (i asked twice) but got ignored from every one of you and considering the lot of you have catalogues accounts you figured you'd be able to advise me!!!

And iv just read back, your questions were answered!

Even the one about GE Money...I answered that personally as well NiD

I knew you couldnt have been ignored

sutton111

tracy24582 wrote: »

did you apply online first

When I applied for my Accounts with SDG I applied online.

I requested a catalogue firstly and then it pre-authorised an amount, so I went ahead and applied again online for an account, they matched the pre-authorised limit and gave me my account number there and then.

If you are declined there will a telephone number for you to telephone and they will explain their decision to you.

HTH.

Rose123

sutton111 wrote: »

When I applied for my Accounts with SDG I applied online.

I requested a catalogue firstly and then it pre-authorised an amount, so I went ahead and applied again online for an account, they matched the pre-authorised limit and gave me my account number there and then.

If you are declined there will a telephone number for you to telephone and they will explain their decision to you.

HTH.

See, applying online works for some people, just choose the way you're most confident with

Brian1966

Rose123 wrote: »

didnt know you had been ignored!!!!!!!!!!!!!!!
I remember someone asking that question and thought an answer had been given

Id always go with applying on the phone because i dont really trust the online thing. One person applied online today and got declined, when he called up, he got accepted!

So that just backs up my theory that applying on the phone is better. Some people have applied online with no issues so I guess its each to their own!

Unless anyone else disagrees?

Swings and roundabouts I suppose.
Speaking personally I would rather be rejected by a computer than a human voice.
That said, these days and mainly thanks to N.I.D I would always appeal rather than waste a search. Nothing to lose

sutton111

Brian1966 wrote: »

Swings and roundabouts I suppose.
Speaking personally I would rather be rejected by a computer than a human voice.

Exactly Brian. I would rather apply online for that reason, it saves the embrassment , also it's more convenient.

Rose123

i dont mind applying on the phone because they cant see my face when im shocked about the decline decision and by the end of the day, they would have most probably forgotten my name

Rose123

sutton111 wrote: »

Exactly Brian. I would rather apply online for that reason, it saves the embrassment , also it's more convenient.

i do think applying online is and quicker does save time and a big phonebill dialing those 0870 and 0845 numbers to be told NO

But then people could argue both ways isnt it?

And I am so for appealing too

sutton111

Rose123 wrote: »

i dont mind applying on the phone because they cant see my face when im shocked about the decline decision and by the end of the day, they would have most probably forgotten my name

I'm immune to declines now. I've had that many that it doesn't come as a shock anymore.

My latest is a decline from HSBC for a Plus account. :rolleyes: