apply or not ?

pearls_of_wisdom

hi, has anyone experience in filling in a pre qualification form with barclaycard i've been told via phone i will get one but this was just somebody in a call centre i know this shows on file but doesn't count against you 1. is this just a ploy by bank to get you to apply as they don't care like we do if you're accepted or not ?
2.is there any consistency in results from pre qualification to the actual real application ? 3.how much difference is there in applying for a current account and credit card in relation to difficulty as i only opened my account 1 month ago ? I'M AT THE START OF MY CREDIT BUILDING PROCESS I HAVE VIRTUALLY NO HISTORY NO CARDS ,LOANS DEBT ETC SELF EMPLOYED I EARN WELL NOT IN URGENT NEED OF MONEY BUT WANT TO BUILD UP GOOD HISTORY AND NOT HINDER FUTURE CHANCES BY APPLYING FOOLISHLY TOO EARLY ON WORD FROM SOMEONE IN A CALL CENTRE

BugsyBrowne

OP you do not take credit scoring advice off someone who works in a mumbai call centre who goes by the name of john..

pearls_of_wisdom

star-fire wrote: »

OP you do not take credit scoring advice off someone who works in a mumbai call centre who goes by the name of john..

have you any experience rgarding points 2 and 3 many thanks.

BugsyBrowne

If your talking about barclaycards pre-app check then their is an indication there on what likely card you MAY get.

As for current accounts these would be scored differently to credit cards as a credit card is a far bigger risk to a lender than a current account purely on the credit available to the applicant.
With a credit card they would be a lot harsher on your debt,available credit etc,on a current account these are pretty easy to get as long as your payments are up to date and you don't have to many discrepancies on your report such as bankruptcy,ccj's,fraud....

pearls_of_wisdom

star-fire wrote: »

If your talking about barclaycards pre-app check then their is an indication there on what likely card you MAY get.

As for current accounts these would be scored differently to credit cards as a credit card is a far bigger risk to a lender than a current account purely on the credit available to the applicant.
With a credit card they would be a lot harsher on your debt,available credit etc,on a current account these are pretty easy to get as long as your payments are up to date and you don't have to many discrepancies on your report such as bankruptcy,ccj's,fraud....

many thanks for your time

stclair

You may want to consider a card with capital one to help boost your credit history the APR is high however its a start.