Nationwide Soft-Search

Sheriffsam

I dont know if this has been covered off but do nationwide use experian or equifax?

simax

Experian.......

RichL74

Experian only!

Sheriffsam

I think thats good news for me.... thanks!

Sheriffsam

giblet10 wrote: »

Well I put in another application last Thursday and it came back £5200 @ 9.9% - when I went through to the full application it said "pleased to confirm your application has been approved in principle, subject to final checks"

So I'm a bit more hopeful this time. Presumably these final checks will just be proof of name, income etc..

I had this with Barclaycard at the begining of the year and they rejected me on the basis of proof of address. I sent them this, but they still said they couldnt find my address as it was a new build and had not been registered yet!

Sheriffsam

Also, just did a soft search on Nationwide and was offered 19.9% with CL of £1200, and this had a 0% balance transfer for 20 months. I dont think its worth going to full app just yet.

Is the best you can get from the normal card, ie for those that are not nationwide customers, 15.9%?

RichL74

Nope, I got 9.9% on mine.

Sheriffsam

RichL74 wrote: »

Nope, I got 9.9% on mine.

Thats strange as when i went through the main page the two card options, the flex for non-customers and the select for exisiting customers, the lowest it said on there was 15.9% for the flex.

Have you got a link to the page you apply from? Not that i am going to apply again in the near future!:cool:

RichL74

http://www.nationwide.co.uk/creditcard/credit-card/offer-deals.htm

Other rates from 9.9% to 19.9% APR apply depending on individual circumstances

Sheriffsam

Oh right I see.

So taking into account that fact that 15.9% is its representative, if you get over this, ie 19.9% then you will probably be declined, and if you get under it, you will probably be accepted, and if you get that, the CL will be the indicator?

I dont think £1200 is a very big CL, so i doubt i will get accepted to be honest.