Barclaycard pre-application approval

never-in-doubt

PROLIANT wrote: »

Ok, I can debate and do not have to resort to childish exchanges, been there done that can't be bothered anymore.;)

Time for the alter egos to take their tablets I think?

Just a case of waiting for the moderators to either delete or "prune" the thread(s).

OOOhhh mate - chill out !!!!!!! :rotfl:

Have a beer :beer: You're going up this year - be happy

izools

star-fire wrote: »

Think you all need to eat humble pie,after telling me and betting me last night that i was not going to be accepted for a decent prime card,but in the end i just sailed though,i do think sometimes though dont get arsey any of you, but i do think the only people who knows who is good for credit and really knows about credit scoring and what they are talking about is the companies thereselves..

No mate, we bet that you wouldn't get accepted for three prime cards.

The JL card app can still be declined.

If they are anything like RBS / Natwest, they'll score you on Equifax, send you out an agreement to sign, then check against Experian once they receive the signed documents back and their AVU (Application Verification Unit) or HSBCs equivalent will throw it out.

This is exactly what happened when I applied for an HSBC current account in February.


Oh, and Niddy,

BugsyBrowne

izools grow up mate incase you did not read what i wrote earlier,i phoned up about the application just so i had a case to argue on here,they said what is your reference i gave that to her,she replied with a couple of security questions then,replied i am pleased to inform you your application for the credit card has been accepted..ive only been accepted for a credit card like millions of other people,dont get yourself worked up!!!

never-in-doubt

star-fire wrote: »

izools grow up mate incase you did not read what i wrote earlier,i phoned up about the application just so i had a case to argue on here,they said what is your reference i gave that to her,she replied with a couple of security questions then,replied i am pleased to inform you your application for the credit card has been accepted..ive only been accepted for a credit card like millions of other people,dont get yourself worked up!!!

But we're trying to spell it out to you - provisionally approved mate is not accepted....

They do not know if you have been accepted until you return the forms... that is what we're saying to you - we know the system, pointless trying to argue!

I'll make you laugh, with RBS they actually went as far as sending the card then the same day (in another letter) was card cancellation whereby AVU declined the account although central processing had authorised it....

Wait until the card is in your hand - then be happy.

eastanglian1

chameleon did you say you were approved for barclaycard,if its not the barclaycard initial , then you are looking around £3000-3500 my mate got one yesterday

izools

never-in-doubt wrote: »

But we're trying to spell it out to you - provisionally approved mate is not accepted....

They do not know if you have been accepted until you return the forms... that is what we're saying to you - we know the system, pointless trying to argue!

I'll make you laugh, with RBS they actually went as far as sending the card then the same day (in another letter) was card cancellation whereby AVU declined the account although central processing had authorised it....

Wait until the card is in your hand - then be happy.

Barclays went even further than that with myself.

They opened a full current account and then a few weeks later sent letters giving 14 days notice that the account and ones that I had open for over six months already will be closed, they won't disclose the reasons, and won't entertain applications for any facilities with them from myself again.

Never incurred a penny charges with them, always had a four figure turnover on the accounts, and no new adverse information had appeared on my credit file.

By contrast Barclaycard gave me an account despite having defaulted on a Barclaycard three years prior and never paying it off...

Financial institutions can to further checks whenever they like, even once you've been using the accounts for a while.

It is my supposition that the accounts were closed by Barclays because the only ID they ever took from me was a photocopy of my photocard driving license and nothing else whatsoever - which Niddy later pointed out does not fulfil the money laundering laws - my guess is opening the full account triggered an audit check of some kind, they noticed they were in breach of the money laundering regs, and thought "oh !!!!!!, better get this off our books sharpish!".

Of course they'll never admit this but it seems the most likely reason

BugsyBrowne

i understand what you and nid are saying,about more checks lets just hope they check equifax again,instead of experian

izools

star-fire wrote: »

i understand what you and nid are saying,about more checks lets just hope they check equifax again,instead of experian

It mightn't be further checks in the form of another credit search, rather a manual review by some form of application verification unit or audit department to make sure the computer has made the correct decision

There again, there may be no problems whatsoever and you could have a nice card, with a good financial institution winging it's way to you with no fear of it being withdrawn a couple of days later.

BugsyBrowne

Now you have said all that dont think i am going to get my hopes up,i remember once when i think i had only 3 searchers on my experian report,and applied for a co-op credit card got accepted,i thought lovely got the paperwork through the door,i think 2 bits of paper one for me to sign and the other was for me to keep a copy,signed it sent it back,phoned them up explained to them i had been accepted,they had done another credit check and i got declined,oh well !!!!!!!! to them if they decline me,i think i would wait a few more months b4 applying again...

jolfc

can anyone tell me if a barclaycard pre application check shows up on a credit report as a credit application or as a quotation-also does anyone know which credit agency they use as i am in dispute on info on equifax at the moment(takes forever)yet experian and callcredit are spotless-so to speak.any help appreciated.thanks.:D