I got declined by Barclaycard Intital! Why?

PNPSUKNET

Andy_Ches wrote: »

lol, I could drive to N Hunter it's only up the road

Same and its only a little cr***y building.

never-in-doubt

PNPSUKNET wrote: »

Same and its only a little cr***y building.

yea like a shop front in a rough old estate! It was on watchdog/bbc news and looked a dingy little !!!!!! hole lol :j

Says itt all when you can talk to the MD personally on the phone

Rose123

i figured out why barclaycard initial declined me...

they wont accept if u have had consecutive missed payments in the last 12 months on a credit agreement, i have had 2 consecutive late payments on one account in the last 12 months and 1 late payment on another over 12 months ago!

WASTED search, such an idiot! Forget the appeal! Not their fault at all

never-in-doubt

LOL Rose - having a blonde moment hehehe:

http://www.barclaycard.co.uk/personal-home/cards/initial/

Click best suited to.....

Think about our Initial Credit Card if you:

• Want your first credit card or want to improve your credit rating
• Have a credit rating that needs improvement
• You have no history of bankruptcy
• You have not had any County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) registered against you in the past 5 years
• You have not missed multiple payments on a credit agreement within the last 12 months
• You have been unsuccessful in attempts to obtain a credit card in the past (12 months) OR
• You have no credit history, for example;
  • You have never used credit in the past
  • You are new to the country.
• Don't already have a Barclaycard
• Have had a permanent UK address for 3 months or more
• Have a regular income of more than £10,000 pa
• Are aged 18 or over

Rose123

never-in-doubt wrote: »

LOL Rose - having a blonde moment hehehe:

http://www.barclaycard.co.uk/personal-home/cards/initial/

Click best suited to.....

Think about our Initial Credit Card if you:

• Want your first credit card or want to improve your credit rating
• Have a credit rating that needs improvement
• You have no history of bankruptcy
• You have not had any County Court Judgments (CCJs) or Individual Voluntary Arrangements (IVAs) registered against you in the past 5 years
• You have not missed multiple payments on a credit agreement within the last 12 months
• You have been unsuccessful in attempts to obtain a credit card in the past (12 months) OR
• You have no credit history, for example;
  • You have never used credit in the past
  • You are new to the country.
• Don't already have a Barclaycard
• Have had a permanent UK address for 3 months or more
• Have a regular income of more than £10,000 pa
• Are aged 18 or over

WELL I KNOW THAT NOW THANK YOU, LMAO!!!!!!!!!!!!

AH well in 12 months, im hoping not to need an initial account anyway, lol

Parki_2

Does that mean I can apply for it then? Well till they tell me to get lost ;p

never-in-doubt

Parki wrote: »

Does that mean I can apply for it then? Well till they tell me to get lost ;p

lol summat like that mate...... even you wouldn;t give you credit come on haha

Parki_2

never-in-doubt wrote: »

lol summat like that mate...... even you wouldn;t give you credit come on haha

I dont even need credit as I have quite a lot in savings I just want it! I just want a proper card boooooooohoooooooooooo. Of course id give me credit. Id give me whatever I wanted

Rose123

Parki wrote: »

I dont even need credit as I have quite a lot in savings I just want it! I just want a proper card boooooooohoooooooooooo. Of course id give me credit. Id give me whatever I wanted

lol, wouldn't we all!!!!!!!!!!!

Parki_2

Rose are you meaning you would give me whatever I wanted? As that could be arranged muhahahaha ;p