young person refused credit card

MrsManda

Why is she not on the electoral roll where she's living? It may help. Did she have a student account at university? Is she applying for a credit card with her current bank?
I got my first CC at 20 through the bank I had a student account with. I doubt anyone else would've given me one as I had no credit history.

Percy1983

My first CC was with my own bank aswell, so always try there first.

But if she is giving a different address to the electoral role this will almost certainly lead to rejection.

As a bit of side information, when i said get a phone contract it may actually save money anyway, if she is happy with her current phone etc she can get a sim only contract from £10 a month (get the best fit for her usage of course)

MCGONIS

Hi. The advice above is very good. I could not get a NEXT DIRECTORY account and was dissapointed. I applied to the TSB BANK whom I banked with for a TRUSTCARD and they gave me one, then I was able to get credit from more or less any lender.

Hope that helps and good luck.

dandm1

I had the same problem - having never been in debt, I was considered "risky". This was despite having an overdraft (which I didn't use), and a regular DD mobile phone.

I applied for a Capital One card - the rate is SHOCKING, but as a result they tend to be less picky. Your daughter can then use it to start building a credit rating - just make sure she pays it off in full every month (and make sure she uses it as otherwise you get charged - and then get charged interest on that card).

Also, before applying again wait until she has been in her property a while. Moving unfortunately affects your rating as (apparently) a new address could indicate a fraudulent application. And she'll need to be registered to vote at her new address, not the old one.

Hope this helps x

book12

Try Barclaycard Initial. It's targeted to people who have no/limited credit history.

bexy_v

definately stop appying the more you apply (even with a 2- month gap) the worse it adds to your credit history, i was told this before when i applied for one in 6 months since i had one last.

book12

opinions4u wrote: »

Try again with her main bank when she is

A) over 21
been with her employer over 12 months

Some banks do offer credit cards to people who are 20. Be with an employer for 6 months is good enough already.