Santander Credit Card?

chunkymonkey2144

I was just wondering how strict Santander were on their credit checks for a credit card if you have held a current account with them for years?
It says at the start, make sure you don't have any ccjs or your not bankcrupt which neither apply to me, but what about a default and a few missed payments?
Anyone else had any experience of being in this situation?
I really want a credit card just to build my credit back up again as i need a good credit rating as we are getting married in 2 years time and want to get a mortgage.

Thanks

chanz4

think the default may kill it

anchorless33333

easiest way is to go into a branch and ask..I thought I had no chance but they said i was pre-approved. They have the info on their screens, no need even for a credit check if you go into the branch

depends when your default was though I suppose

chunkymonkey2144

oh man !

chunkymonkey2144

anchorless33333 wrote: »

easiest way is to go into a branch and ask..I thought I had no chance but they said i was pre-approved. They have the info on their screens, no need even for a credit check if you go into the branch

depends when your default was though I suppose

It was an argument that i had with orange for a phone contract about 2 years ago, but i managed to get another contract with a different operator, did they give you it in the end?

anchorless33333

chunkymonkey2144 wrote: »

did they give you it in the end?

yes.they offered me TWO cards with 4k limit on each!!! :rotfl:

I was completely amazed as less than 12 months ago I couldn't even get a vanquis card!

I declined thier offer and took 1 with a much lower amount just for a BT

But I don't have any defaults...

My point was, its worth a try asking in branch...you have absolutely nothing to lose.

chunkymonkey2144

anchorless33333 wrote: »

yes.they offered me TWO cards with 4k limit on each!!! :rotfl:

I was completely amazed as less than 12 months ago I couldn't even get a vanquis card!

I declined thier offer and took 1 with a much lower amount just for a BT

But I don't have any defaults...

My point was, its worth a try asking in branch...you have absolutely nothing to lose.

Thank you, i will do that, i applied online i will just have to wait and see what happens, i have to go to the bank 2moro so i will ask in branch while i'm there.