MBNA rejecting Amazon credit cards

anyfreebies

I've heard from someone who works at MBNA that they are refusing to issue people with good credit ratings an Amazon credit card as they fear they won't incur any interest on the card.

lisyloo

Thanks for the info.
I was toying with applying but I won't bother now.

noah271007

anyfreebies wrote: »

I've heard from someone who works at MBNA that they are refusing to issue people with good credit ratings an Amazon credit card as they fear they won't incur any interest on the card.

What is MBNA are looking for exactly then? I know MBNA have many cards on their books, but which ones are the hardest to get? AMEX cards?

ffacoffipawb

anyfreebies wrote: »

I've heard from someone who works at MBNA that they are refusing to issue people with good credit ratings an Amazon credit card as they fear they won't incur any interest on the card.

An MBNA card is about as difficult to get as the clap in a brothel.

Any

anyfreebies wrote: »

I've heard from someone who works at MBNA that they are refusing to issue people with good credit ratings an Amazon credit card as they fear they won't incur any interest on the card.

That sounds strange... They have loads of cards, nearly everyone I know got accepted for one with very good 0% period and they constantly keep renewing their existing customer offers...

It doesn't seem that they are worried about not incurring that much interest... Why just the Amazon card would be different?

noah271007

Any wrote: »

That sounds strange... They have loads of cards, nearly everyone I know got accepted for one with very good 0% period and they constantly keep renewing their existing customer offers...

It doesn't seem that they are worried about not incurring that much interest... Why just the Amazon card would be different?

MBNA is quite strict when considering credit card applications. They are known to reject ANYONE who have default(s) on their credit files or recent missed payments...i mean i just been approved for BMI Amex CC, and the underwriter wanted to know the circumstances why i missed three payments on a settled account back in Oct 2004 (the only adverse data on my credit file) before approving me for the card.

anyfreebies

Any wrote: »

That sounds strange... They have loads of cards, nearly everyone I know got accepted for one with very good 0% period and they constantly keep renewing their existing customer offers...

It doesn't seem that they are worried about not incurring that much interest... Why just the Amazon card would be different?

Maybe the number of MSE's wanting it just for the free Amazon voucher?

Any

anyfreebies wrote: »

Maybe the number of MSE's wanting it just for the free Amazon voucher?

So it's better to give it to people who will take the £15, then run up extra debt and then call in for payment plan for £1 a month?

Well, I suppose in this day and age anything is possible...

Any

noah271007 wrote: »

MBNA is quite strict when considering credit card applications. They are known to reject ANYONE who have default(s) on their credit files or recent missed payments...i mean i just been approved for BMI Amex CC, and the underwriter wanted to know the circumstances why i missed three payments on a settled account back in Oct 2004 (the only adverse data on my credit file) before approving me for the card.

Well, I am telling my experience you are telling yours...

In my experience MBNA are very generous with their limits and from what I've seen on here quite a lots of people managed to get it.

Some of them have 3 going at once.

My OH got £6.9k approved last year for BT after missing a payment on his at the time 0% Santander card.

God knows what triggers their trigger...

noah271007

Any wrote: »

Well, I am telling my experience you are telling yours...

In my experience MBNA are very generous with their limits and from what I've seen on here quite a lots of people managed to get it.

Some of them have 3 going at once.

My OH got £6.9k approved last year for BT after missing a payment on his at the time 0% Santander card.

God knows what triggers their trigger...

It would be because of their income, the size of debt and whether there is adverse data registered. Many people have good credit history but then again, many people have an odd default or two. Your OH got 6.9K approved, perhaps lucky because if it was missed not long after applying for MBNA card then it would not have been reported in time. There are many peeps here who got declined by MBNA despite excellent credit history, and many have reported here MBNA have declined their application due to an old default lurking somewhere on their credit files.

So do you have defaults mate on your credit files and still managed to get MBNA card?

oscar52

anyfreebies wrote: »

I've heard from someone who works at MBNA that they are refusing to issue people with good credit ratings an Amazon credit card as they fear they won't incur any interest on the card.

I too work for MBNA - and I find this very strange. But then again, many things there are strange so maybe I shouldn't be so suprised.