Declined for a credit card...again

louiseg0151

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?

CLAPTON

what's your income
what's your job
how long have you been with your employer

Hax

And, most importantly, are you on the electoral register?

louiseg0151

I am on the electoral role, my income is about £11k and have another £3.5k annual income.

[Deleted User]

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

[quote=[Deleted User];37581244]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[/QUOTE]

Oh no it doesn't differ from the vanquis one bit just 20-30% less apr..

louiseg0151

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

louiseg0151 wrote: »

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

[Deleted User]

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

[quote=[Deleted User];37594972]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??[/QUOTE]

Your exact words were dosen't differ much from cap/vanquis
You should of said doesn't differ much from cap1

sjd79

[quote=[Deleted User];37581244]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[/QUOTE]


Where could I do a pretest???