First Direct Gold Card

OMAR

Hi,

I have just noticed on my First Direct Internet Banking that I am pre-approved for a Gold Card....does this mean I am guaranteed the card? Do they conduct credit searches for existing customers?

Cheers

Gromitt

They'll either not mention the amount (so you could be approved for only £250), and/or it'll be loaded with fine print that'll say additional checks are necessary should you wish to take up the offer.

So to answer your question, they are not guaranteeing anything.

samwsmith1

I would guess if your pre-approved you'll be guaranteed it, why not ring them 08 456 100 100 to check any details.

Gromitt wrote: »

They'll either not mention the amount (so you could be approved for only £250), and/or it'll be loaded with fine print that'll say additional checks are necessary should you wish to take up the offer.

So to answer your question, they are not guaranteeing anything.

Except the minimum credit limit is £3000 - http://www2.firstdirect.com/1/2/creditcards/gold-card/overview;jsessionid=0000BbCcvzgiyuMejseNpFR1_qy:11jk8o4v4

OMAR

cheers peeps

Ben8282

OMAR wrote: »

Hi,

I have just noticed on my First Direct Internet Banking that I am pre-approved for a Gold Card....does this mean I am guaranteed the card? Do they conduct credit searches for existing customers?

Cheers

If you are an existing customer and you have been told that you have been pre-approved for a Gold Card then in all probability you have and you will receive the card. Presumably you have to click somewhere or return something to them to confirm you want this upgrade?

YorkshireBoy

Ben8282 wrote: »

If you are an existing customer and you have been told that you have been pre-approved for a Gold Card then in all probability you have and you will receive the card.

FD offered me a £10K Gold card a few years ago (around 3 so things may have changed now), but then promptly withdrew their offer when I accepted their invitation and they looked at some CII data supplied by Experian.

I fully understand the reasons why (I was heavily stoozing at the time), but under similar circumstances HSBC and Halifax have both given me 'pre-approved' cards recently...albeit with smaller credit limits (£5K and £6K respectively).