Natwest pre-approvals

alanriley

Just a quick query for any Natwest employees.
My girlfriend has an Advantage Gold account, turnover fairly high but money in and out fairly quickly.
Just recently I read that internal scores are updated around the first Monday in the month and she had a few hundred pounds sat in there this month.
In 3 yrs there has never been any mention of a credit card off but now when logging into online banking in the 'your messages' section there is a link to aplly for a Platinum credit card in addition to the usual bumph about Ad gold benefits etc.
Is this a general message or a sign of pre-approval?
Grateful for any replies.

chanz4

its just an advert nothing more

chambta

alanriley wrote: »

Just a quick query for any Natwest employees.
My girlfriend has an Advantage Gold account, turnover fairly high but money in and out fairly quickly.
Just recently I read that internal scores are updated around the first Monday in the month and she had a few hundred pounds sat in there this month.
In 3 yrs there has never been any mention of a credit card off but now when logging into online banking in the 'your messages' section there is a link to aplly for a Platinum credit card in addition to the usual bumph about Ad gold benefits etc.
Is this a general message or a sign of pre-approval?
Grateful for any replies.

If she wants a card a quick phone call will reveal all. The banks system will offer a % chance of an application being successful or alternatively advise that trying would not be in the customer's interest.

noizeuk

chambta wrote: »

If she wants a card a quick phone call will reveal all. The banks system will offer a % chance of an application being successful or alternatively advise that trying would not be in the customer's interest.

Hmmm, you sure?

If so, tell me where this fits into "treating customers fairly".

c0c0nuts

noizeuk wrote: »

Hmmm, you sure?

If so, tell me where this fits into "treating customers fairly".

Surely its fairer to advise the customer whether its worth them proceeding instead of putting them through an unnecessary credit check which could result in a decline marker on their credit record?!

chambta

noizeuk wrote: »

Hmmm, you sure?

If so, tell me where this fits into "treating customers fairly".

Very sure. Not sure what you an getting at to be honest.