Barclay Card Initial with old CCJ

The_representative

Hi folks,

I currently have a Capital One Classic, which I have been running for about a year, with no late payments and never "maxed out" - always pay off in full each month.

Also have mobile phone contract, no payments ever missed, and I bank with Barclays for last 6 years, they confirmed my account has always been ran perfectly when I had my account review.

However I have a CCJ registered against me, but marked as satisified. It was registered against me over 5 years ago and will drop off in November.

The Barclaycard initial page says that you shouldnt apply if you have had a CCJ in last five years.

Do i stand a chance of being successful if I apply - or should I wait until CCJ drops off.

Thanks.

izools

What does this say your chances are?

https://letmechoose.barclaycard.co.uk/

The_representative

izools wrote: »

What does this say your chances are?

https://letmechoose.barclaycard.co.uk/

Hmmm, said I'm not eligible. I will leave it until the CCJ drops off and then re-check early nexyt year.

izools

Good luck with it :beer:

Have you checked your credit file(s) lately to see what is lurking there? Perhaps there is some other adverse information that shouldn't be there / you'd forgotten about?

The_representative

izools wrote: »

Good luck with it :beer:

Have you checked your credit file(s) lately to see what is lurking there? Perhaps there is some other adverse information that shouldn't be there / you'd forgotten about?

I check my credit files with both Experian and Equifax once a month, and they are both identical, with everything present which should be. I guess its the luck of the draw. NO worries though, will just bide my time :cool:

foolishboy

Flybe or one of the other Sygma cards?

..I've just been accepted for a Flybe and have a lot worse/more recent on my files than yourself.

FB

tigerlily44

foolishboy wrote: »

Flybe or one of the other Sygma cards?

..I've just been accepted for a Flybe and have a lot worse/more recent on my files than yourself.

FB

If you don't mind me asking - what is much worse?

thanks

tiger

foolishboy

tigerlily44 wrote: »

If you don't mind me asking - what is much worse?

thanks

tiger

BR April 2008, discharged April 2009 - files are clean since Jan 2008 with defaults prior showing satisfied and new credit lines fully up to date and clean.

FB

tigerlily44

foolishboy wrote: »

BR April 2008, discharged April 2009 - files are clean since Jan 2008 with defaults prior showing satisfied and new credit lines fully up to date and clean.

FB

Beats me how I can't get a Creation family card with no adverse then... that bizarre credit scoring thing again

tiger