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Barclays Initial

chanz4
chanz4 Posts: 11,057 Forumite
Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
in Credit cards
I just applied and said we would be intouch for the initial, is that a decline? I have one default sept 05, july 05, june 05
Twenty minutes later Strange just had a call from their fraud department, to ensure I was applying?
Said I would get a letter in the post, any ideas?
Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
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Comments

  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    chanz4 wrote: »
    I just applied and said we would be intouch for the initial, is that a decline? I have one default sept 05, july 05, june 05
    Twenty minutes later Strange just had a call from their fraud department, to ensure I was applying?
    Said I would get a letter in the post, any ideas?

    Could go either way, its a B/C credit builder card so can't see it being that hard to get.
    Depends wether or not they check back the full 6 years and see those defaults.
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    strange how they called just to confirm though
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • paulmcerlean
    paulmcerlean Posts: 831 Forumite
    Not really. Happens.
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    have to wait and see
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • tigerlily44
    tigerlily44 Posts: 171 Forumite
    star-fire wrote: »
    Could go either way, its a B/C credit builder card so can't see it being that hard to get.
    Depends wether or not they check back the full 6 years and see those defaults.


    This is the hardest one to get however.

    tiger
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    tigerlily44 wrote: »
    This is the hardest one to get however.

    tiger

    Its the hardest card to get if you have a shocking credit report yes I agree, but if your credit report is ok this card would be pretty easy to get especially if you bank with barclays..
  • tigerlily44
    tigerlily44 Posts: 171 Forumite
    star-fire wrote: »
    Its the hardest card to get if you have a shocking credit report yes I agree, but if your credit report is ok this card would be pretty easy to get especially if you bank with barclays..

    Not necessarily with a shocking credit report - I have no adverse credit whatsoever just not very much and they've declined me and I have a good salary, homeowner etc, - for a 'credit building' card its the most difficult is what I meant

    tiger
  • Atom
    Atom Posts: 295 Forumite
    No adverse credit ? maybe you where declined for these reasons.
    The only real security that a man can have in this world is a reserve of knowledge, experience and ability.
  • KingElvis
    KingElvis Posts: 4,100 Forumite
    Not a bad card to get from what I've read on here, a reputable name and regular limit increases.

    Good luck and hope you get it.
    "We want the finest wines available to humanity, we want them here, and we want them now!"
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    KingElvis wrote: »
    Not a bad card to get from what I've read on here, a reputable name and regular limit increases.

    Good luck and hope you get it.

    I said its an easy card to get with an OK credit rating, but if you have a trashed report then it would be a hard card to get.
    Same with a mainstream card if you have a spot on credit report you will find basically every card a bit of pi*s to get, you will find the people who normally get turned down for the initial card are those who hold a Vanquis card & Cap1 classic and then try the initial.
    The card is alright if your trying to build a credit rating, but apart from that nothing!!
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