Struggling to get a CC

lisyloo

Not on the electoral roll, and won't be.

I think this is your problem.
Why aren't you on the electoral roll? Do you qualify?

paulmcerlean

If this is the big problem, how did the OP manage to get a Tesco, Virgin and Natwest card?

ER shouldnt be a problem for someone with such a substantial credit card history. The problem is likely to lie with amount of credit compared to earnings / credit used / and exposure as well as the missed payments which in this day and age is a KILLER to a new application.

Atom

paulmcerlean wrote: »

If this is the big problem, how did the OP manage to get a Tesco, Virgin and Natwest card?

That was not the OP it was the guy who replied to the OP "SI Guy"..

CLAPTON

ovy wrote: »

£12k + overtime
3 years 8 months
£1000 on Barclaycard
£60 on Halifax card
I use my overdraft, usually in it for a few days, then i will get my wages through.
Not on the electoral roll, and won't be.

@izools - I checked it probably a month ago, a few missed payments a year or so ago. since then, I've not missed payments or been late etc.

0% cards are usually only offered to people with very good credit records

you are not on the ER
your income is low
you use your OD regularly which is often looked at as some-one struggling with money

consider getting on the ER
and stop going into your OD

then apply for a decent card in 6 months or so.