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Rejected by MBNA, what next?
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Ok. I think i'll wait until i get paid then apply for one through my bank.0
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You've set you sights far too high, like a learner who's just passed wanting a Bentley or a Ferrari.
If your bank turns you down (pretty likely given your short employment) then you'll have to start with a Crapital One, Barclaycard Initial or even the dreaded Vanquis.....you need to build a history and to do that, you can't start at the top. The cards you're talking about would need at LEAST 18-24 months good solid payment history on other CCA agreements.
Hope that helps."We want the finest wines available to humanity, we want them here, and we want them now!"0 -
They've got no business making a hard search unless the application passes all their other criteria. There's no need for it if they're going to reject the application anyway.YorkshireBoy wrote: »Your file won't show a rejection, merely that a credit search was made."It will take, five, 10, 15 years to get back to where we need to be. But it's no longer the individual banks that are in the wrong, it's the banking industry as a whole." - Steven Cooper, head of personal and business banking at Barclays, talking to Martin Lewis0 -
Agreed, if OP was rejected on a 'policy rule'.They've got no business making a hard search unless the application passes all their other criteria.
However, CSAs sometimes speculate, when asked, as to the reason for rejection. Obviously if OP received the reason in writing (unlikely?) then that's different.0
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