declined all the times credit card ,store and catalog

yamin2000

Hi guys
I am new to UK i tried to applied to all crdit card to build credit like capital one and store card and even i applied to catalog account such as simplybe.But i was declined ,now i updated my info with refrence agency ,and i found my score to very poor.
what i have to do ?
i am student in uk and i paid monthly rougly 2300 GB
My account with HSBC and thet refused to give me credit card
cheers

stephane_2

You need to make sure that you are registered on the Electoral Roll with your council. The fact that you have not been in the country for very long will play a part to the fact that you're getting declined. You have to be very careful in the number of application you do for credit card or catalogue account as too many application within a short period of time will badly damage your credit file. Better wait at least 6 months before any new ones. Do you have a monthly contract for a mobile phone? that would help as the network will report your account to either experian or equifax

Tixy

Are you a UK resident? are you eligible to vote in the uk? are you on the electoral roll?

If you are not on the electoral roll then you will find it almost impossible to get mainstream credit in the UK.

yamin2000

stephane wrote: »

You need to make sure that you are registered on the Electoral Roll with your council. The fact that you have not been in the country for very long will play a part to the fact that you're getting declined. You have to be very careful in the number of application you do for credit card or catalogue account as too many application within a short period of time will badly damage your credit file. Better wait at least 6 months before any new ones. Do you have a monthly contract for a mobile phone? that would help as the network will report your account to either experian or equifax

thanks for ur help
yes i have monthly contract but sim only .Anyway i updated my info with experian and equifax.moreover i can not register to Electoral Roll because i am not Brittan .
Is there anythings i can do?

stephane_2

yamin2000 wrote: »

thanks for ur help
yes i have monthly contract but sim only .Anyway i updated my info with experian and equifax.moreover i can not register to Electoral Roll because i am not Brittan .
Is there anythings i can do?

If you are from the European Union or have visa to stay & work in this country of course you can register on the Electoral roll. You will be allow to vote at local election only. Just go to your council website and should be able to register online or they will send you the papers to fill in and return, once it's done it might take a couple of month for your credit file to be updated.

jonesMUFCforever

Most banks have tightened up their credit lines to foreigners recently - expect to get next to nothing for 3 years.

PNPSUKNET

too many scamming and going abroad without payings is the main reason, get a cashplus card

stephane_2

Am not British and never had any issues getting credit in the last 16 years...

jonesMUFCforever

stephane wrote: »

Am not British and never had any issues getting credit in the last 16 years...

Read my post again - recently (in last 18 months) the banks have tightened their lending.
You may not be British but you are an established customer of a bank or banks who know that you would not do a runner with their money - in other words they trust you.
If you had just arrived here you would find it very different.

yamin2000

thanks all
capital one refused me today because my score was low,they saied try to increase it in 6 months and try afain we will accept you.
now i have hsbc bank account and sim contract ,how i can improve my score since i can applied for crdit ,store,catalog?(i do not want cashplus)
cheers

jd87

Like people said - get on the electoral roll if you can.

Someone said you can register if you have a work visa and are resident - I think that is wrong. You can register to vote in the UK if you are resident and are from the EU or Commonwealth.

http://www.aboutmyvote.co.uk/who_can_register_to_vote.aspx