pay and go credit card

Toe-Jam

curly04 wrote: »

LOL 02 declined me saying I already have a card with them

Scarey thing is I don't

There are a few reasons why you could be declined.

(1) You've owed money to someone in the RBS group
(2) You've got a fraud flag on your credit file
(3) The mobile number has been used to order a card already.

curly04

Number 1 it is then

bhoy1976

Toe-Jam wrote: »

There are a few reasons why you could be declined.

(1) You've owed money to someone in the RBS group - NO
(2) You've got a fraud flag on your credit file - NO
(3) The mobile number has been used to order a card already. YES

But the point is why have I been declined when neither of the first two apply?

philnicandamy

and one point people seem to be missing unless its me......the 02 card is a PAYG card NOT a credit card therfore its irrelevant who past creditors etc were

Toe-Jam

philnicandamy wrote: »

and one point people seem to be missing unless its me......the 02 card is a PAYG card NOT a credit card therfore its irrelevant who past creditors etc were

I would totally agree with you in principal. Unfortunately RBS do not.:o

I had a paypal top up card and managed to overdraw it by £100. It happens when a merchant takes too long to take the money out of the account, so it drops back into the card and is spendable. So when they come looking for it the card is overdrawn. I paid it back of course but just because its not a credit card doesn't mean that its fool proof.