credit card application

yakimov85

Hi

I have recently graduated from university and decided to upgrade from my student credit card to a graduate credit card. it seemed a straight forward process, but unfortunately it wasn't.

I have paid off my student credit card in full before applying for the new credit card. When I came to the bank, the adviser tried to apply for the graduate credit card without cancelling my student credit card, the application failed because my graduate current account only allows 1 credit card per account.

At this stage the adviser had spoken to customer service and she was advised to cancel the student credit card before reapplying to the graduate card.

I then applied again and once again I was refused, at which stage the adviser had to send a letter to the bank to notify them that the student card has been cancelled and that I am eligible for the graduate card. Unfortunately I received a further letter telling me I have been refused for the card again.

After 2 more attempts of applying for the card, I was rejected a further two times. I have recently discovered that my student card wasn't cancelled properly so it was the bank's fault that I kept being refused and running credit checks multiple times in short period of time. I have now made sure that the student credit card was cancelled properly and I am now in the process of applying for a different credit card with another bank, however I wanted to find out what I should do about this incident and who would I have to complain to, because the feedback I gave to my bank has not been followed up since the incident.

Questions:

1. would this incident affect my application/credit history?
2. what can I do to notify the credit check agencies that this was not my fault
3. if it has damaged my credit history, would it be worth applying for high interest cards (and repay them in full each month)?

Sorry for the long description, hope some one out there can help...

Thanks,

Alex

ironlady2022

In answer to your questions:
1) yes it will affect it in the way that you have had multiple searches in q short period of time which will go against you
2) you are best speaking to your bank about the possible removal of these searches. No point of ringing up the credit file people as these searches are legitimate and they will advise the same thing
3) i would advise against this and try again in 3-6 months time if the bank refuse to remove the search record.

yakimov85

thank you mayling