Credit card approval with least Credit score

abinanthanb

Since we are a big community I thought we could make this possible.

Is it possible to list the credit score when you apply and approved for a credit card? By doing this, we can somewhat derive an approx minimal credit score which will probably get a credit card approved. I know there are other factors besides the credit score will be considered by the credit card company. Atleast on the credit score front we can have an idea.

This will help people who want to apply in future and avoid them any unnecessary credit search on their file. Lets start with my details,

Card name Credit score Approved/Declined
Vanquis 835 Approved
Citi card 835 Approved
Lloyds 865 Declined
BA AMEX 865 Approved
Barclaybreathe 865 Approved
Virgin 865 Declined

Hopefully we can arrive at a reasonably close figure and help others in deciding on a credit card application.

Cheers :beer:

ziknik

How do you know your credit score?

abinanthanb

ziknik wrote: »

How do you know your credit score?

You can get it from the Credit ref agencies. You have to pay for the service though!

Bosie

All creditors' score differently so you would never know your score, the scores given by Credit Reference Agencies are what they think you score, banks, credit providers are different:o

M_Thomson

abinanthanb wrote: »

Since we are a big community I thought we could make this possible.

Is it possible to list the credit score when you apply and approved for a credit card? By doing this, we can somewhat derive an approx minimal credit score which will probably get a credit card approved. I know there are other factors besides the credit score will be considered by the credit card company. Atleast on the credit score front we can have an idea.

This will help people who want to apply in future and avoid them any unnecessary credit search on their file. Lets start with my details,

Card name Credit score Approved/Declined
Vanquis 835 Approved
Citi card 835 Approved
Lloyds 865 Declined
BA AMEX 865 Approved
Barclaybreathe 865 Approved
Virgin 865 Declined

Hopefully we can arrive at a reasonably close figure and help others in deciding on a credit card application.

Cheers :beer:

The scores that you get from the credit reference agencies bear no relation to the scores lenders use to assess wether you can get credit. The are simply a way to part with extra money. Nobody knows what criteria lenders use, so there is no point even trying to guess.

Simon_Preston

It's a nice idea this thread but the credit card providers don't bother with the score so there is no point really.