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FD Credit Scoring Query
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Anon
Posts: 14,561 Forumite


in Credit cards
I was recently rejected by First Direct for ther current account as I did not meet their customer profile according to the letter (I have a number of current accounts and wasn't proposing transferring to them!).
I am getting to the end of my 0% with Egg but wondered whether I am also likely ot get rejected for the credit card? Also, do you need to have an FD current account to get a decent limit on their credit card (or even to get the card at all)?
Many thanks
Anon
I am getting to the end of my 0% with Egg but wondered whether I am also likely ot get rejected for the credit card? Also, do you need to have an FD current account to get a decent limit on their credit card (or even to get the card at all)?
Many thanks
Anon
0
Comments
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If they rejected you for the current account, then its highly likely you will be rejected for the credit card
Maybe too many card applications over a too short a period of time ? Thus you will need to give it some time..0 -
Anon wrote:I was recently rejected by First Direct for ther current account as I did not meet their customer profile according to the letter (I have a number of current accounts and wasn't proposing transferring to them!).
I am getting to the end of my 0% with Egg but wondered whether I am also likely ot get rejected for the credit card? Also, do you need to have an FD current account to get a decent limit on their credit card (or even to get the card at all)?
Many thanks
Anon
I had no problems, just opened a current account with FD, and at last count had 4 other current accounts with other banks. I think it was more likely you didn't offer to transfer your current account that your salary/earnings gets paid into, to them? You could, and then change your mind.The only stupid question, is an unasked question ...0 -
Do you have a fixed land line? First Direct will only accept people with a fixed phone line (or at least they used to).0
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I was also refused but am not too fussed. More annoyed I missed out on the free £25 and have another credit search!
Think the searches were a problem though as I have about 7 in the last month. I did this on purpose though as I wasnt planning on getting any new accounts for a while, and wanted all the searches to go on, and ultimately disappear at the same time, for when my new 0% rate runs out in 9 months.
Already prepared a letter to send FD though when I get the letter off them asking them to reconsider, giving the fact its only a current account for gawd sake :rolleyes: I am not interested in an overdraft or cheque book!
Hey ho
JW0 -
Bear in mind that searches on Experian last for 12 months, but on Equifax, last for 2 years.Mortgage Feb 2001 - £129,000
Mortgage July 2007 - £0
Original Mortgage Termination Date - Nov 2018
Mortgage Interest saved - £63790.60
ISA Profit since Jan 1st 2015 - 98.2% (updated 1 Dec 2020)0 -
How come the equifax report only shows searches in the last 6 months on my online report?
JW0 -
Were there others? Does it differ from the paper report? If you know info is missing you should probably investigate.0
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