Declined for a credit card...again

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I turned 18 at the beginning of this year and I tried applying for a credit card with Capital One and got refused. I waited 7 months and this week tried applying for a Vanquis card and got refused again.

I have checked my credit file at creditexpert and it shows a bank account that I don't use (with HSBC) with a balance of £0 but doesn't show my barclays account which gets used daily. Could this be the reason why I keep getting rejected?
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  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    Combo Breaker First Post
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    what's your income
    what's your job
    how long have you been with your employer
  • Hax
    Hax Posts: 890 Forumite
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    And, most importantly, are you on the electoral register?
    My posts are my own opinions based on my experiences and info gathered from sites such as this.
    They are not a substitute for professional financial advice - but you knew that already didn't you? ;)
    VSP 2011 - Member #25 - Started 6th December 2010 - Total As Of 4th May 2011 (21 weeks in!) - £323.67/£500 - So far so good!
  • louiseg0151
    louiseg0151 Posts: 128 Forumite
    edited 16 October 2010 at 11:47PM
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    I am on the electoral role, my income is about £11k and have another £3.5k annual income.
  • dLockers
    dLockers Posts: 338 Forumite
    First Post First Anniversary Combo Breaker
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    Apply for a Barclaycard?? The initial one or w/e it's called is very easy to get, and they already know you as a customer/person. Doesn't differ much from the Cap/Vanquis and you can do their little 'pre-test' first to check likely hood of being accepted
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
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    dLockers wrote: »
    Apply for a Barclaycard?? The initial one or w/e it's called is very easy to get, and they already know you as a customer/person. Doesn't differ much from the Cap/Vanquis and you can do their little 'pre-test' first to check likely hood of being accepted

    Oh no it doesn't differ from the vanquis one bit just 20-30% less apr..
  • louiseg0151
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    I don't think I'd get a Barclaycard especially as I've never had credit before. I've just tried applying for a Capital One card again and it took me through to sign a credit agreement which it didn't do last time. Is this a new think for all applicants or does it sound like I've been accepted?
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
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    I don't think I'd get a Barclaycard especially as I've never had credit before. I've just tried applying for a Capital One card again and it took me through to sign a credit agreement which it didn't do last time. Is this a new think for all applicants or does it sound like I've been accepted?

    Think it might be a yes
  • dLockers
    dLockers Posts: 338 Forumite
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    star-fire wrote: »
    Oh no it doesn't differ from the vanquis one bit just 20-30% less apr..
    http://www.barclaycard.co.uk/personal-home/cards/initial/index.html

    ???

    http://www.capitalone.co.uk/creditcards/classic-credit-card.jsf

    Seem pretty similar to me??
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
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    dLockers wrote: »

    Your exact words were dosen't differ much from cap/vanquis
    You should of said doesn't differ much from cap1
  • sjd79
    sjd79 Posts: 7 Forumite
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    dLockers wrote: »
    Apply for a Barclaycard?? The initial one or w/e it's called is very easy to get, and they already know you as a customer/person. Doesn't differ much from the Cap/Vanquis and you can do their little 'pre-test' first to check likely hood of being accepted


    Where could I do a pretest???
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