Help getting a credit card, were am i going wrong?

Savergirl01

cha0s wrote: »

dont worry about the rejection, i got rejected by M&S too and also never had any credit history, i just rang them up and they changed their mind and gave me one - but with a low credit limit of £500.

But since having the card for only one month I applied for another credit card with halifax and got a £500 limit, then a month after this applied for a 3rd credit card with natwest and got a £2600 limit!

I got rejected by halifax too initially and rang them up and they overturned the decision. give it a go!

Hi,

They said they will write to me to explain why. So i will hang on for the letter and then i will give them a call. No harm in trying is there?

Thank you

Savergirl01

jen245 wrote: »

I'm guessing that as you have an electron card, you have an Easycash account? This is a basic account that does not build internal score with your bank, and doesn't report to the CRAs. Get a proper current account, Halifax does the Reward account that pays you £5 every month if you pay in £1000, have your salary paid into the account and direct debits paid out, which will build your internal bank score, and will lead to things like overdrafts and credit cards with your bank

Ive had the visa electron account since i was at school. The only reason i still use it, is due to the fact, if i spend some money, and then check my online banking, it will have deducted the money i have spent. Where as with the halifax debit card, it takes a few days for the money to be deducted, and thats where i get myself confused and lost with my money.

jen245

Odd, I have a Halifax account and when I make a payment, it always comes off my available balance instantly, normally showing on my statement a few days later. Using the Easycash account is not doing your credit rating any favours. Can't you have your salary paid into your current account, then transfer your spending money to the electron account?

Kyresa

Savergirl01 wrote: »

Hi,

They said they will write to me to explain why. So i will hang on for the letter and then i will give them a call. No harm in trying is there?

Thank you

Yes, they will tell you that they consulted a credit reference agency and if you want any further info to write to them or get hold of your credit report.

You've had the best advice in this thread but seem to be sticking your fingers in your ears and singing lalalala... capital One Classic... pay it off in full for 6 months... then try move up

NekoZombie

Savergirl01 wrote: »

Should i try for a halifax card as i have banked with them for 21 years?

You're 21, right? So how have you banked with Halifax for 21 years. I didn't think childrens accounts count towards any credit history....

Savergirl01

Thank you too everyone who helped me out. I applied for the capital one card and got accepted!

Can i just ask, why are there people on this forum who talk to people like they are stupid.... Sick of the little comments some people leave

hillendale

Savergirl01 wrote: »

Thank you too everyone who helped me out. I applied for the capital one card and got accepted!

Can i just ask, why are there people on this forum who talk to people like they are stupid.... Sick of the little comments some people leave

Hi Savergirl01
Great news on the capital one card, try to ignore the forum 'trolls':)
All the best

moonrakerz

kadiea wrote: »

Visa Electron cards are for people with BAD credit history.

OR - those savvy enough to use one to avoid card charges imposed by quite a few commercial outfits..............