Natwest step account closing

jen245

auto-man wrote: »

Just apply for this and a current account. It then went through a credit card application at the end as part of it (bear in mind it did offer me the card) then declined me at the end.

I think it was only the credit card that declined. I guess the bank account will also be declined too then.

That happened to me when I opened my current account. I also got the invitation to qpply for a credit card and it was declined. The strange thing is though, when I applied for the current account, they offered me a £4000 overdraft! :eek:

Dont assume you have been declined for the current account, just wait and see what comes in the post

auto-man

jen245 wrote: »

That happened to me when I opened my current account. I also got the invitation to qpply for a credit card and it was declined. The strange thing is though, when I applied for the current account, they offered me a £4000 overdraft! :eek:

Don't assume you have been declined for the current account, just wait and see what comes in the post

I applied for the saving account it then asked me if I wanted a bank account so i tick yes, then it asked if I want a credit card as I qualify so i tick yes.

bank and savings went through then card application said no at the end. My currant account was applied before the credit card and I said no to overdraught as well....

shame.

coolesticeking

auto-man wrote: »

I applied for the saving account it then asked me if I wanted a bank account so i tick yes, then it asked if I want a credit card as I qualify so i tick yes.

bank and savings went through then card application said no at the end. My currant account was applied before the credit card and I said no to overdraught as well....

shame.

To be honest it's none of my business what you apply for but I noticed you have tried to open accounts with the Halifax/BOS also.

Just as a friendly note, it's not good to keep applying for products that will search your credit file and will leave a footprint. It can make lenders think you are desperate for credit and this on it's own can be a bad factor.

auto-man

coolesticeking wrote: »

To be honest it's none of my business what you apply for but I noticed you have tried to open accounts with the Halifax/BOS also.

Just as a friendly note, it's not good to keep applying for products that will search your credit file and will leave a footprint. It can make lenders think you are desperate for credit and this on it's own can be a bad factor.

I know thanks. My credit file is mess anyway. I have 11 default and IVA but still get cards and banks usually with no problems my RCA with BOS is only new in July as well.

I not worry about credit report, if a bank want to help they will do. I am proof of this.

jen245

auto-man wrote: »

I applied for the saving account it then asked me if I wanted a bank account so i tick yes, then it asked if I want a credit card as I qualify so i tick yes.

bank and savings went through then card application said no at the end. My currant account was applied before the credit card and I said no to overdraught as well....

shame.

You've been declined for the credit card, it sounds like the application for the bank and savings account has been accepted (but this will be subject to further checks by AVU once youve sent back the signed form which you should receive in the post). If you run your account well, try again for the credit card after 6 months. I got one after running my current account for 11 months

But as coolesticeking said, dont apply for lots of accounts in a short space of time, this lowers your credit score and makes it like you are desperate for credit. I dont think you should apply for anything else now, as Natwest will have searched you twice, once for the current account and once for the credit card, and as youve also applied for HBOS accounts, maybe give it a rest for a while!

coolesticeking

auto-man wrote: »

I know thanks. My credit file is mess anyway. I have 11 default and IVA but still get cards and banks usually with no problems my RCA with BOS is only new in July as well.

I not worry about credit report, if a bank want to help they will do. I am proof of this.

I'm not 100% with this OK so please confirm this, but are you allowed to apply for a Credit Card while you are under an IVA?

jen245

auto-man wrote: »

I know thanks. My credit file is mess anyway. I have 11 default and IVA but still get cards and banks usually with no problems my RCA with BOS is only new in July as well.

I not worry about credit report, if a bank want to help they will do. I am proof of this.

Eek! I take back what I said in my previous post, if you get the Select account I will be very surprised!!

Lulee36

coolesticeking wrote: »

I'm not 100% with this OK so please confirm this, but are you allowed to apply for a Credit Card while you are under an IVA?

Standard IVA terms actually state that: "Further credit is prohibited whilst under an IVA".

auto-man

coolesticeking wrote: »

I'm not 100% with this OK so please confirm this, but are you allowed to apply for a Credit Card while you are under an IVA?

I am not under an IVA. I said I have an IVA on credit file.

auto-man

jen245 wrote: »

You've been declined for the credit card, it sounds like the application for the bank and savings account has been accepted (but this will be subject to further checks by AVU once youve sent back the signed form which you should receive in the post). If you run your account well, try again for the credit card after 6 months. I got one after running my current account for 11 months

Savings was first to apply which at end said provisional accepted then at the end it asked ME if I wanted extra such as loan, card, bank and I picked the bank and card options. Went through bank and it said they send me forms, went through card and it say sorry no.

So why would savings say provisionally approved but bank didn't? Maybe avu already say no to me?