Multiple Halifax credit card offers!

pauljoecoe

Last week when I logged onto my Halifax bank account they offered me a clarity card - guaranteed. I applied as I thought it might be useful as I do travel abroad a lot. They approved my application stating that I would get a credit limit of around £7000.

Today I logged onto my account and there was another 'guaranteed' offer of an different card which has 12 months purchases at 0% + 9 months for balance transfers.

This is even more useful for stoozing purposes. However when I applied this time it did not tell me it had been approved immediately or give me an estimated credit limit.

I would rather have the 0% one than the clarity but that one is already going through.

Any ideas what Halifax may do in this situation. They did say 'guaranteed approval both times' so they should give me both. I'm just concerned the credit limit will be a bit low on the second one which is a pity as I could spend a lot in 12 months!!

Meeper

They shouldn't give you both at all. Don't be ridiculous.

As a note - just because a lender issues a guaranteed acceptance offer, that doesn't mean it is guaranteed to be accepted in any circumstances.

pauljoecoe

Meeper wrote: »

They shouldn't give you both at all. Don't be ridiculous.

What I meant was - as they were the ones persuading me to apply and saying my approval was guarunteed I assumed they would give me both.

Meeper wrote: »

As a note - just because a lender issues a guaranteed acceptance offer, that doesn't mean it is guaranteed to be accepted in any circumstances.

Hmm....so their statements are not worth the screens they are projected on eh?

Again..as I am a long term customer of Halifax in the form of mortgages, current account, savings and credit cards I assume they chose me to make the guaranteed offer to as they know I am a creditworthy and a source of possible profit to them. Why would they say guaranteed if it wasn't?

Meeper

As an example - the guaranteed mailings are sent out based on the internal information to hand and perhaps an overview of your credit file based on the last time you were searched. If you apply on the guaranteed basis and you had a CCJ registered the day before for £50,000 you are simply not going to get that guaranteed loan.