We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Refused a credit card - why?
terriblesaver
Posts: 213 Forumite
My mum has just applied on line for a Virgin card to transfer her Barclaycard balance to - she has never had a missed or late payment in her life so any ideas why she has been turned down????
Terriblesaver - hoping to improve!!! Unsecured debt ... £[STRIKE]57938[/STRIKE] £51453
Official DFW Nerd no 176
Reclaimed and won Capital One £224, Paragon £758, GE Capital £63 and £135
Official DFW Nerd no 176
Reclaimed and won Capital One £224, Paragon £758, GE Capital £63 and £135
0
Comments
-
has she asked them?0
-
No - can we just call and ask????Terriblesaver - hoping to improve!!! Unsecured debt ... £[STRIKE]57938[/STRIKE] £51453
Official DFW Nerd no 176
Reclaimed and won Capital One £224, Paragon £758, GE Capital £63 and £1350 -
terriblesaver wrote:No - can we just call and ask????
Yes, but it may also be an idea to look at her credit rating.I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
If her credit is fine, is there any chance that she has a 'financial association' with someone else whose credit score is not so good? I only ask because this is just what's happened to me. I have got a copy of my credit file and my credit report is classed as 'excellent' but I was turned down for a cc because of my 'financial association' with my OH who is having a few problems at the moment even though I applied for the card in my own right and did not include him at all. (Our only official 'financial association' is a joint mortgage which hasn't got any problems). I found this out when I phoned the lender to ask why they'd turned me down.You - only you- will have stars that can laugh :rotfl:
:starmod: Debt-free:starmod:
£2 Coin Savers' Club - Christmas due on 25/12/06! £[STRIKE]142.00 [/STRIKE][STRIKE]16/07/06 [/STRIKE][STRIKE]£150.00 [/STRIKE][STRIKE]21/07/06[/STRIKE] [STRIKE]£158 2/08/06[/STRIKE] [STRIKE]£166 28/8/06[/STRIKE] [STRIKE]3/10/06 £198 [/STRIKE]25/10/06 £214 :xmassmile
DFW Nerd 137:j
Proud to be dealing with my debt0 -
Is she on the electoral role? Does she have an income lower than £10'000 a year? Alot of credit cards seem to use this as a cut off point.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.3K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.8K Spending & Discounts
- 244.3K Work, Benefits & Business
- 599.5K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards