getting 1st credit card/credit history

asdg4we

Could you please advise. I have read the relevant posts on MSE but am not sure how to proceed.
Many thanks!


Mission objective: Halifax Clarity (for oversees spending & online protection & credit building & 5£ cashback)
Acceptable intermediate objective: Credit card (to improve credit rating & online protection)


The “good”:

• no bad credit history (defaults, missed payments...), financial associations...
• lloyds current account for ~4years
• halifax current acc. for over half a year
• 2x mobile contract: 1 for 2 months, 1 a bit less than 2 years
• PhD student, on a ~£19k bursary
• listed on electoral roll

The Bad:

• no other credit history

The Ugly:

• variation in official address: for electoral roll it is 75-79, for royal post 77 (numbers changed, but representative of the actual state), street name and post code being the same. (ALL variations showing up: 77, 75-79, 75/79) Not sure what to do about this; talked to the landlord, but it will take ages before it is sorted out. Would a notice of correction on the credit reports be an option?
• applied for halifax clarity about 4 months ago, declined
• applied for capital one about 3 months ago, declined

Other history:
First had £1800 overdraft limit, but later reduced to £250 so that Available credit would not be a problem (not used at any time)
Checked credit reports, seems OK apart from the "problem" with the address variations

The_Palmist

I would suggest using the same address as your current account when applying for credit cards. It might also be a good idea to get an experian credit report.

kadiea

Speak to Lloyds TSB and see if you are pre approved for any of their credit cards, if so attempt to get the airmiles duo!