Get a Credit Card

LordSamuel

I'm using checkmyfile.com to check my credit score, and checkmyfile always suggest me to request a credit card from Vanquis, but every time I tried to apply online I just get a message like this: "Unfortunately we are unable to provide a credit card to you, blah blah blah"
What's wrong ?

aj2703

LordSamuel wrote: »

I'm using checkmyfile.com to check my credit score, and checkmyfile always suggest me to request a credit card from Vanquis, but every time I tried to apply online I just get a message like this: "Unfortunately we are unable to provide a credit card to you, blah blah blah"
What's wrong ?

I would say for whatever reason your credit rating is so low that you do not even qualify for a Vanquis card. It may also be the case that they are not issueing many cards at the moment and you are one of the unlucky ones.

LordSamuel

Do you know how much score do I need to get a credit card from them?

aj2703

LordSamuel wrote: »

Do you know how much score do I need to get a credit card from them?

Being honest i have no idea. I have read by many on here that the actual
score you and i would see on say equifax has no relation to the way the lenders lend. From what i gather it's their own lending criteria you have to meet. What this is in it's entirety i do not know, but i know things like are you on the electrol roll etc do come into it.

LordSamuel

Do you know any credit Card company which provide Credit Card for someone like me?

firsttimestudent

LordSamuel,

I guess the reason you were declined was that, as in your other thread, you said you just moved. From the post itself, I wasn't entirely sure if it's to a new UK address or to an overseas address.

If it's an overseas address almost no credit card companies will offer you a new credit card.

If it's an UK address, I guess the combination of just moving to a new address, coupled with not being on a current electoral roll will be the reason behind it!

You asked about other card companies: Capital One and Barclaycard Initial maybe able to help.

aj2703

LordSamuel wrote: »

Do you know any credit Card company which provide Credit Card for someone like me?

No i don't to be honest. My first response would have been Vanquis. You might be able to get a Capital One classic card but i am sure thir limits are very low.

If you wait i am sure someone with more knowledge will be along soon to better advise you.

markharding557

I think you should leave creditcards alone if you can't get one then you certainly can't afford one.
i have learned to live without these evil things'i am happy now for the first time in years

LordSamuel

I just want to use credit cards to increase my credit score!