RBS Classic Card - more likely if a customer?

Twister84

Pre-approved offers do not show on online-banking for anyone, however, RBS/Natwest staff can see pre-approved offers for customers on one of the systems.

Next time, you speak to a staff member ask them what the chances are of an application going through for, eg a credit card or overdraft, and I'm sure they'll be happy to tell you

tigerlily43

Twister84 wrote: »

Pre-approved offers do not show on online-banking for anyone, however, RBS/Natwest staff can see pre-approved offers for customers on one of the systems.

Next time, you speak to a staff member ask them what the chances are of an application going through for, eg a credit card or overdraft, and I'm sure they'll be happy to tell you

Even though I was told that the Key account (like the Step) is a basic non-credit account? How would they be able to tell?

thanks
tigerlily

KingElvis

tigerlily43 wrote: »

Even though I was told that the Key account (like the Step) is a basic non-credit account? How would they be able to tell?

thanks
tigerlily

You will not get any credit facilities on the basic account, you'd need to update to the Current Plus.

tigerlily43

KingElvis wrote: »

You will not get any credit facilities on the basic account, you'd need to update to the Current Plus.

Does that mean a whole new application or do they do it by account conduct please?

And Merry Christmas by the way

tigerlily

Twister84

tigerlily43 wrote: »

Even though I was told that the Key account (like the Step) is a basic non-credit account? How would they be able to tell?

thanks
tigerlily

In usually-rare circumstances, I have seen products pre-scored for Key account customers. It may be because they really do have an immaculate credit history.


In even rarer circumstances I have seen key account holders with credit cards.


In reality though, just as with most things, pre-approved offers give general ideas of what the customer can have - they are not specifics. Sometimes, different facilities can be gained if an application is put through.

Along with pre-approved offers, customers are given internal credit scores (1 is the best usually and 10 the worst), but to be honest, usually if you're 7 or below, you are usually OK, but that doesn't mean a customer with an 8 can't have anything.


Each application is dealt with on an individual basis, so it's sometimes difficult to say if a certain product will go through.