No Rhyme or reason
ryantcb
Forumite 273 Posts
Ok Just thought id post this as its seems quite weird to me.
I applied for online a CC with my bank. Declined.
I call bank to ask why? and was told "No idea as my account says I have already been pre approved for a CC, and that I could also extend my overdraft and take an extra £4000 on my loan" I said no thanks as I didnt really need the card I just wanted to use it to replace a vanquis. A week passed and I decided I would take that CC after all. So called my bank back to apply for it over the phone. Declined! Bank says "must be something on my credit file as it is all ok their end and it even gives me an approved credit limit of £3000"
I thought I had a fairly decent credit file never missed payments and on the electoral role etc.
So I sign up to credit expert and pay the £7.99.
I call bank back (about 5 hours after my last refusal for a CC) to apply for another current account to help me budget money around for my bills. Application a success....."Oh and it has also accepted you for the Credit Card"
Me "really how cos 5 hours ago I was declined?"
Bank "Maybe your details have been updated"
All that changed in those 5 hours was the fact i paid experian through creditexpert.com (whom my bank uses) £7.99
Coincidence?
I applied for online a CC with my bank. Declined.
I call bank to ask why? and was told "No idea as my account says I have already been pre approved for a CC, and that I could also extend my overdraft and take an extra £4000 on my loan" I said no thanks as I didnt really need the card I just wanted to use it to replace a vanquis. A week passed and I decided I would take that CC after all. So called my bank back to apply for it over the phone. Declined! Bank says "must be something on my credit file as it is all ok their end and it even gives me an approved credit limit of £3000"
I thought I had a fairly decent credit file never missed payments and on the electoral role etc.
So I sign up to credit expert and pay the £7.99.
I call bank back (about 5 hours after my last refusal for a CC) to apply for another current account to help me budget money around for my bills. Application a success....."Oh and it has also accepted you for the Credit Card"
Me "really how cos 5 hours ago I was declined?"
Bank "Maybe your details have been updated"
All that changed in those 5 hours was the fact i paid experian through creditexpert.com (whom my bank uses) £7.99
Coincidence?
Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
0
This discussion has been closed.
Latest MSE News and Guides
Replies
I must admit though, this doesn't seem too likely. It kind-of fits the facts, but relies on a lot of 'ifs' and people not noticing something was amiss.
CiPD qualified.
Anything I post is solely MY OPINION. It never constitutes legal, financial or collective bargaining advice. I may tell you based on information given how I might approach an employment dispute case, but you should always seek advice from your own Union representative. If you don't have one, get one!
Odd indeed.
CiPD qualified.
Anything I post is solely MY OPINION. It never constitutes legal, financial or collective bargaining advice. I may tell you based on information given how I might approach an employment dispute case, but you should always seek advice from your own Union representative. If you don't have one, get one!