CC Application rejected?

cashbackproblems

Recently iv had a few CC applications rejected and dont understand why?

Iv had a few in the past and always paid them off, am earning £44k and no debts etc??

Tesco and Halifax both rejected me!

[Deleted User]

Are your previous cards still open? If so, what's the combined limits?
Any missed payments, defaults, CCJs from recent years?
Everything ok on your credit reports? Electoral roll, correct address, any dodgy financial associations?

cashbackproblems

The card is still open but in fact i overpaid them so they owe me money!! I might have been a few days late making a payment last yr but cant remember fully.

Nothing else, no dodgy transactions or credit problems.

cashbackproblems

Oh i got charged by HSBC for being OD in my current account, if that counts..

YorkshireBoy

cashbackproblems wrote: »

Oh i got charged by HSBC for being OD in my current account, if that counts..

Yes it probably does.

Have you actually seen your credit report recently?

cashbackproblems

Iv just signed up with equifax and it shows all my past CC and as balanced settled. One missed payment in 2007 but iv been accepted for cards since then,


I recently started a new job not sure if it could be cos of that..

MCGONIS

Hi. I recently applied for a TESCO credit card. At the end of the application, I was declined. I checked with Experian and Equifax and no credit search was there from TPF or RBS.

The only thing I can think of is, I had a TESCO card 4 years ago and closed it when the balance transfer offer ended. Mayeb they don't like applicants returning?

Also Halifax accepted me in January for a reward card, they emailed saying I to sign and send back the agreement. No agreement ever turned up.

I did try to phone them, but they are closed when I get home from work. I am not phoning during the day as it is an 0845 number and my mobile would charge me.

I have just gotten accepted for a Nationwide CC. Could you maybe try them?

cashbackproblems

Ah right, well i also had Tesco and Halifax CC in the past which i closed down but that was yrs ago.

YorkshireBoy

What about Experian?...which is searched by the majority of lenders I believe.

The new job will affect their 'stability' assessment, but provided there's other evidence of stability (long time with bank, long time at current address, landline phone, not too many moves in last 6 years, etc) then I wouldn't have thought that would have too much impact.

YorkshireBoy

MCGONIS wrote: »

I did try to phone them, but they are closed when I get home from work. I am not phoning during the day as it is an 0845 number and my mobile would charge me.

For future reference there's plenty of geographical alternatives on www.saynoto0870.com

YorkshireBoy

cashbackproblems wrote: »

Ah right, well i also had Tesco and Halifax CC in the past which i closed down but that was yrs ago.

The 'return' time for these cards are 8 months and 30 days respectively I believe.