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Halifax say NO now Yes very confused
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For existing current account customers(Not sure about existing credit card only customers) Halifax do not search the CRA for guaranteed offers. I have applied for halifax credit card and have not been searched as they had a limit already decided on my account(and a big one it was!!).
Thanks for your input, did you get your offer via phone banking? or a guaranteed offer via online banking?
Will know if and when card turns up:j0 -
Just an update, got my agreement letter from Halifax today, it said once signed your card is on its way.
There was a 2nd class prepaid envelope to send it back in, so probably won't get to them until Monday.0 -
lol Bosie, mine came this am too! Just popped it back in the post box now!
udydudy - i have been a Halifax current account customer for 10 plus years, got the guaranteed offer, and they still searched me twice!0 -
For existing current account customers(Not sure about existing credit card only customers) Halifax do not search the CRA for guaranteed offers. I have applied for halifax credit card and have not been searched as they had a limit already decided on my account(and a big one it was!!).
Banks aint that trustingIm an ex employee RBS GroupHowever Any Opinion Given On MSE Is Strictly My Own0 -
Thanks stclair, of ALL the banks I've been in(been through a few) and had pre approved offers, Halifax have been most confusing:rotfl:
Just a thought have you just not long opened a current account with the halifax? that may be why they can possibly still see you credit report without registering another search.Im an ex employee RBS GroupHowever Any Opinion Given On MSE Is Strictly My Own0 -
Just a thought have you just not long opened a current account with the halifax? that may be why they can possibly still see you credit report without registering another search.
I've been with them 5 month's, but the offer with online banking, like the one brians daughter got, they still search even though it's supposed to be guaranteed:eek: Plus the cards they offered me were 2 different cards. I've taken up the Clarity Card, but the online offer was a 0% card and you could choose your colour, a Pink one LOL.
I may pop into my branch and ask them.0 -
After a couple of months of getting the 0% credit card promoted to me on internet banking, I applied for a clarity card (though I know it wasn't especially likely I would have gotten the main Halifax card, let alone clarity!)
Unsurprisingly I didn't get it, but now (a few weeks later) I have a part-time job which combined with other income would get around £12k a year. I know it's still not much, but it's more than I had at the time (about 2x more) so would it be worth calling them about it?0 -
I have heard a few reports of halifax dropping back peoples limits on credit and putting them into further debt.
Also, I had a pre-approved offer for a loan of 13%, which mysteriously jumped to 27.7% when I rang them to confirm,,0 -
i received yesterday a credit agreement to sign
this is after being declined by them
on phone to them now to find out what the crack is.0 -
apparently i have now got a card Cl £1000 @ 15.9% with 0% purchases 12months & 0% BTs 9 months0
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