Barclaycard pre-application approval

PROLIANT

jolfc wrote: »

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

It shows as a credit search quatation.

pjread

this might be a silly question but.... if e.g. you apply for a platinum barclaycard, but don't quite hit it, do they (potentially, if you do fulfil their scoring/requirements/whatever) offer a 'downstream' card or only ever do a straight decline?

DizzleUK

jolfc wrote: »

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

They search Equifax only and it shows as a Table 2 search, so not seen by anyone else.

essix

Wat if u apply online and then it states that they cant get u an instant decision right now but will review it and let u know by post within 10 days. Then u get the letter which says u have been provisionally approved but just need u to send in 2 different forms of documentation to proceed. Does this mean theres still a possibility of being rejected?

Thanks

stephane_2

Most probable that they would have rejected you by now...it's likely that they want to verify your identity.

chanz4

yes you can still be rejected

System

why wouldn't they reject them before the proof of identity was sent in?

stephane_2

chanz4 wrote: »

yes you can still be rejected

No I think you're wrong, unless the person cannot provide the required documents, then there should not be a problem

izools

I've known of Barclaycard being sent in requisite documentation and then declining the applicant - this is usually down to a subtle address mismatch or discrepancy in time at address details and ER details on the applicants credit file, FWIW.

book12

essix wrote: »

Wat if u apply online and then it states that they cant get u an instant decision right now but will review it and let u know by post within 10 days. Then u get the letter which says u have been provisionally approved but just need u to send in 2 different forms of documentation to proceed. Does this mean theres still a possibility of being rejected?

Thanks

If you are Barclays customer, you coud have gone to branch and apply. You are likely to get an instant decision.