Halifax and offers

Bosie

I'm sure I've read that if you were to phone telephone banking or call in a branch, they can see if you are likely to get an approved credit card?
When I log on, there is an advert about applying for a card, but that would be a full application wouldn't it?

Azrael_1701

Bosie wrote: »

I'm sure I've read that if you were to phone telephone banking or call in a branch, they can see if you are likely to get an approved credit card?
When I log on, there is an advert about applying for a card, but that would be a full application wouldn't it?

They can see on the phone, but you need to make sure that its a "guaranteed offer", otherwise its just a full application. None of the online prompts are pre-calculated, they are just adverts.

crispy_chris

Azrael_1701 wrote: »

None of the online prompts are pre-calculated, they are just adverts.

That's not true, there are guaranteed loan offers for example.

YorkshireBoy

Azrael_1701 wrote: »

They can see on the phone, but you need to make sure that its a "guaranteed offer", otherwise its just a full application.

(If they're still using it) be sure to check they're looking at the 'early credit decisioning' (ECD) screen.

If you ask nicely in branch they'll let you take a peek at it too.

Azrael_1701

YorkshireBoy wrote: »

(If they're still using it) be sure to check they're looking at the 'early credit decisioning' (ECD) screen.

If you ask nicely in branch they'll let you take a peek at it too.

Dont use that any more im afraid, its all been amalgamated and simplified.