Nationwide Soft-Search

sadia85

I did apply today and its say i can have maximum limit of £3200 and saying

Thank you. We are pleased to confirm that your credit card has been approved in principle.


Is that mean i have been approved ?

Thanks

sistafromanothermista

I would have thought so.

MoneyHungry

Hi there. I've just applied online. I got quoted 12.9% at £5000. However I decided to put the limit to £1500. I went through the application however I pressed exit twice on the second last page so I didn't get to see what the message was on the last page. I don't know if I've been accepted or not. Do you get conformation email? How long does it take to get the card from them, I save my current account with them so shouldn't have to prove I'd!

Thanks

stephane_2

If you've got a current account with them then you should be able to see at what stage your credit application is on their online banking....

MoneyHungry

Nothing is showing at all on my online banking!!!
On my applications page, it says complete, so I'm thinking I got rejected, however why would I have been quoted 12.9%.

Strange

RichL74

If it was going to reject you, it rejects you when you decide to accept your soft quote and move onto the full application. Read back a few pages, it tells you what it says if it rejects you.

You don't get any confirmation emails either.

MoneyHungry

Thanks for that mate, love it when you get a great reply on here.

Also to let you know, I had to electronically sign a terms and conditions thing, and read a few pages after I got past the soft search option!!? Hopefully got accepted so all my banking can be with nationwide, who have been excellent since I joined in 2011!

jpb77

MoneyHungry wrote: »

Thanks for that mate, love it when you get a great reply on here.

Also to let you know, I had to electronically sign a terms and conditions thing, and read a few pages after I got past the soft search option!!? Hopefully got accepted so all my banking can be with nationwide, who have been excellent since I joined in 2011!

HI if it asked you to sign the t&cs electronically - more than likely you've been accepted. You could call them to confirm the status of you're application.

RichL74

Yeah, thats right - only a small chance it would fail now on some kind of technicality but dont worry too much - you are 90% certain to get it.

I signed mine online too, took about 10 days I think in the end for the card to arrive with the exact quoted limit and APR.

RichL74

Just incase you didnt read back through the thread, this is what it would have said had it declined you when you accept the soft search quote.

Thank you for applying for a Nationwide Credit Card. We are sorry but, after carefully considering your application, we are unable to offer you a credit facility. We have received information from our credit reference agency, Experian, which has adversely affected your application. Under the terms of our agreement with Experian, we are unable to disclose this information directly to you. We ask you to accept that we rely on the accuracy of the information supplied to us and that, unless there is some significant error in their data, our decision is final.