Q Regarding Harley Davidson + Other Halifax CC's

RudeYute

Just appying for the Harley Davidson card and it asks about my current most used card, limit and debt.

I'm guessing this will affect my application if I say I owe pretty much the whole thing? Or will they see it as an opportunity to make some money?

Thanks

grumbler

RudeYute wrote:

...I'm guessing this will affect my application if I say I owe pretty much the whole thing? Or will they see it as an opportunity to make some money?

You must tell the truth. They can (and will) check the same information on your credit files.

RudeYute

I realise that, but should I just simply not bother with them, if it just means a credit search and decline?

adm_4

Does it just ask for 1? I'd give the CC that I use for spending in that instance.

HGLTsuperstar

Are you looking to get the card to do BT of the existing debt. Then all the more reason to be honest with them, else you might get a tiny CL which is no use and then you've wasted a credit check.

ceejam

Can't remember what info I used, but got an instant acceptance with £7.5k limit!

RudeYute

I've done it, think I stated the card with the big debt. Not sure what they will give me tho.