The Challenge - Debt free in two years!

Woowoo

Have a nice weekend Adam x

Ceniza

Woowoo wrote: »

Have a nice weekend Adam x

Thanks Woo, weekend was good, how was yours?

I got a letter today from Lloyds about the credit card they declined (I wrote a long retort questioning their logic for declining me) and they've accepted me LOL - a little late now though as I've cleared the Egg card...

Kepp

Wow, that's interesting isn't it?

Like you say you've cleared Egg so not much use to you, other than knowing you were right!

Wonder if that could work for Woo on the card she was just declined for?

Ceniza

beccie wrote: »

Wow, that's interesting isn't it?

Like you say you've cleared Egg so not much use to you, other than knowing you were right!

Wonder if that could work for Woo on the card she was just declined for?

Yeah, maybe! They said I didn't meet their 'criteria' for acceptance, so I asked how my salary, plus 969 credit score and perfect credit history didn't meet their criteria? To which they replied after consideration I've now been accepted LOL

Woowoo

That is interesting, you should write back saying too late I've already taken my business elsewhere!

Ceniza

I would do but I want the airmiles, I get 1500 for just getting this card and another 1 for every £10 I spend on it, so will use it as a debit card to collect more.

3000 airmiles is a VERY nice holiday

tasha-debt

Ceniza wrote: »

Thanks Woo, weekend was good, how was yours?

I got a letter today from Lloyds about the credit card they declined (I wrote a long retort questioning their logic for declining me) and they've accepted me LOL - a little late now though as I've cleared the Egg card...

Hi,

Could I ask you a question, what kind of thing did you say to make them change their mind. I got declined for a RBS card, im despreate to move some of my debts to 0%. I have never missed a payment in my life, have a score of 988 and want to balance transfer straight to teh new card and close the other two older cards.

Thanks

EB69

Cunning plan Adam - so long as you don't get carried away with the credit limit (which is probably what I would do!)

Woowoo

That would be a very slippery slope for me!

Ceniza

tasha-debt wrote: »

Hi,

Could I ask you a question, what kind of thing did you say to make them change their mind. I got declined for a RBS card, im despreate to move some of my debts to 0%. I have never missed a payment in my life, have a score of 988 and want to balance transfer straight to teh new card and close the other two older cards.

Thanks

I asked them how it was possible that someone in my family, who is currently unemployed, managed to take out one of their cards and yet I was declined because I didn't meet their lending criteria. Asked them what part of the criteria I didn't meet given my salary (I pay HRT), credit score 969 and perfect credit history. I asked them how, if they followed the banking lending code of conduct, it was good banking practice to lend to an unemployed person, and not someone employed with a very good income and means to easilly repay any credit.

They didn't answer any questions, just accepted me.