Which CC has easy approval??

Fahim_2

Hi guys,

I want to apply for a credit card and am mainly interested in the following:

01. Marks & Spencer &More
02. Marriott Rewards VISA
03. American Express Mini Card
04. Morgan Stanley Buy & Fly!
05. Egg
06. Mint
07. RBS Classic Card
08. NatWest Classic MasterCard

I have a decent credit score and want to from you guys which one is easy to get???

Thanks in Advance...

johnmoney05

Fahim wrote:

Hi guys,

I want to apply for a credit card and am mainly interested in the following:

01. Marks & Spencer &More
02. Marriott Rewards VISA
03. American Express Mini Card
04. Morgan Stanley Buy & Fly!
05. Egg
06. Mint
07. RBS Classic Card
08. NatWest Classic MasterCard

I have a decent credit score and want to from you guys which one is easy to get???

Thanks in Advance...

Egg money card is the easier for me. Don't like NatWest. The others no idea...

Phoenix79_2

Had 2 Natwest cards in the past. Seemed pretty easy to get but I do bank with them.

I guess it all depends on the lenders criteria. I don't think there is an definitive answer.

Fahim_2

Thanks for the replies guys. Also do you think I should close my AQUA and barclaycard...

Phoenix79_2

Do you use those cards anymore? If not...and there is no money owing on them then I would say yes, cancel them. What are you looking for in a card? To shuffle debt? Cashback? o% purchases?

Fahim_2

I'm actually looking for either cashback or something to earn points/airmiles....

I want to cancel, but I'm waiting for my HALIFAX One and HSBC to enter to my credit report, then I'll cancel. I wouldn't be needing this cards after I have HSBC and HALIFAX on my credit file.

Phoenix79_2

How long have you been waiting for them to go on your file?

That reminds me......never even seen my credit file. I guess it wouldn't hurt to see whats on there!

Fahim_2

They'll soon be on my report, the guy from HSBC told me by the end of this month...

lynxptc

What are the limits on your cards Fahim?

Fahim_2

HSBC - £2250
HALIFAX - £1700
Monument - £1000
Barclaycard - £350
AQUA - £350

Gordon_the_Moron

Natwest don't very often reject card applications but for people with lower credit scores (dodgy history/no history or even people that never pay interest... apparently, I don't work for the CC department I don't know that but I was told that) they have a habit of giving ridiculously low limits (they offered me £400 after working for them AND banking with them for 2 years, the current account had a £1500 overdraft limit at the time)