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Chances of being accepted for Credit Card???

2

Comments

  • thriftymomma
    thriftymomma Posts: 1,107 Forumite
    edited 10 June 2009 at 4:10PM
    I do think it is worth trying for a mainstream card tbh, you might just be surprised. And you can have a couple of searches to no detriment.
    Got Halifax Classic to reduce my interest rate by 5% woohoo - 10/06/08 Thanks MSE!
    Another 3% shaved off 10/12/08
    ANOTHER 4 % June 09:beer:
  • nat82
    nat82 Posts: 1,115 Forumite
    I've just applied for Barclaycard Initial online as it had the lowest interest rate out of the ones mentioned above. They couldn't give me a decision right away and will contact me for some more details. It only asked for my last 2 previous addresses which only amounts to 18 months worth so they might want more info there.

    Fingers crossed and I'll let you know what they say!
  • thriftymomma
    thriftymomma Posts: 1,107 Forumite
    Oooh good luck. Will keep my fingers crossed for you!
    Got Halifax Classic to reduce my interest rate by 5% woohoo - 10/06/08 Thanks MSE!
    Another 3% shaved off 10/12/08
    ANOTHER 4 % June 09:beer:
  • nat82
    nat82 Posts: 1,115 Forumite
    thriftymomma wrote: »
    Oooh good luck. Will keep my fingers crossed for you!


    Aww, thank you!
  • td_007
    td_007 Posts: 1,212 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    If you are planning to pay off the balance in full every month why worry about interest rates?
  • PNPSUKNET
    PNPSUKNET Posts: 4,265 Forumite
    I have a cap 1 classic, dont care what the intrest is as always pay in full
  • nat82
    nat82 Posts: 1,115 Forumite
    td_007 wrote: »
    If you are planning to pay off the balance in full every month why worry about interest rates?

    That's true :rolleyes: !!!!
  • nat82
    nat82 Posts: 1,115 Forumite
    Ok, so Barclaycard refused me for a CC and said I should look to my Credit File to see why. They said they use Experian which is the company I used to get my report and credit score so not quite sure why they refused me? Could it be becasue I only have my catalogue account and bank account?

    Is it worth trying Capital One or should I forget about trying to get CC or should I just get one of those prepay CC's? I don't want loads of searches on my file!

    Any advice appreciated!
  • nat82
    nat82 Posts: 1,115 Forumite
    Anyone? :confused:
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Two questions:

    1. It's been suggested to you several times to try your bank. Why haven't you done so? After all, no-one knows your financial circumstances like they do.

    2. I thought Barclaycard searched predominantly (solely?) Equifax? What does your Equifax report show?
This discussion has been closed.
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