0% balance transfers

trinitymatrix

Hi,
I am a rate tart and have used the 0% balance transfer offers over the last 18 months. I have saved alot of money doing this! However, today (after checking my credit file) I was refused a 0% card by MBNA. Instead they offered me a "Vanquis card" at 39.9% APR. My credit file says my credit score is Good i.e. above average. So now I'm not sure what to do as the refusal has probably affected my credit score. I have complained but not sure if it will do any good. Any suggestions?
Trinity

Moggles_2

Welcome to MSE!

The credit reference agencies do not record credit card refusals, only credit checks.

Credit checks are viewed as negative only if you attract too many in a short space of time. These drop off your file after 12 months, so the effect is fairly short-lived

Moggles_2

For tips to improve your chances of credit card acceptance, have a look at the *Credit Rating: how it works and how to improve it guide*, especially Martin's *Manage and Improve your credit score* article

http://www.moneysavingexpert.com/banking/credit-rating-credit-score#improve

To help you further, we would need to know which credit cards you have at the mo or have held recently.