urgent

kimam

hi everyone my query is i have been with llyods tsb my current account
provider for the last two years but still haven't got any creditcard or overdraft from them.Iam working full time, registered in the electoral list
no missed payments, everything is fine with the credit reports both experian and equifax.Very recently i spoke to the people in the bank but their were unable to answer my query on why i am not being offered any credit.Can anyone please suggest me what to do

than q

wornoutmumoftwo

Maybe you have too little credit? Is it just the current a/c you have? Any other credit?

costaerer

Have u aPplied and got rejected?

sutton111

kimam wrote: »

hi everyone my query is i have been with llyods tsb my current account
provider for the last two years but still haven't got any creditcard or overdraft from them.Iam working full time, registered in the electoral list
no missed payments, everything is fine with the credit reports both experian and equifax.Very recently i spoke to the people in the bank but their were unable to answer my query on why i am not being offered any credit.Can anyone please suggest me what to do

than q

If I were you I'd pop into branch and ask if you have a CPD marker, (credit policy decline) these are very common with Lloyds, which means you get automatically declined for any credit offering product, like an Overdraft, Credit Card, and Loan.

I recommend going into the branch to query it.

costaerer

After 6 months banking with lloyds on a joint account with my wife they gave us credit cards each a loan each and an overdraft.

kimam

wornoutmumoftwo wrote: »

Maybe you have too little credit? Is it just the current a/c you have? Any other credit?

thanks for your reply

I have two credit cards vanquis and aqua 500 each and two catalogues
littlewoods 850 and very 500
two 02 contracts

kimam

no i haven't

kimam

costaerer wrote: »

Have u aPplied and got rejected?

no i haven,t

YorkshireBoy

kimam wrote: »

...still haven't got any creditcard or overdraft from them.

not being offered any credit.

Are you saying you're sitting and waiting for something to be offered? Or have you applied and been declined?

Would you say you had a reasonable income paid into the account each month?

costaerer

I'd do what Sutton says

kimam

kimam wrote: »

no i haven,t

as i stated above when i contacted them they checked it and said system is not offering u anything for the moment