Barclaycard Pre-Application Checker

crbuilder

Hi Guys,

Have just tried the barclaycard pre application checker and been advised the following:-

Barclaycard Platinum Simplicity Credit Card - 80-90% acceptance

Barclaycard Platinum Purchase Credit Card - 80-90% acceptance

Barclaycard Gold Credit Card - 80-90% acceptance

Barclaycard Initial Credit Card - 90%+ acceptance

Now, after seeing this i've been on to my callcredit report (free through my bank account) ... all my credit accounts are active within the passed 18months, all paid on time or before due date and each one is reporting back with green 0's ... also have a contract phone, current bank account and overdraft which has never been used.

Only thing is for some reason my electroll role status doesn't have me at my property, from memory i haven't seen a form that you get yearly on my doorstep either.

My question is as i'm not showing on the electroll role will it be an automatic decline if i applied for any of the above barclaycard offers despite my account conduct and how this is reporting to my credit report?

Any advice would be appreciated.

Thanks

Jess23x

I have a barclay card initial and I was not on the electr roll at that time

crbuilder

Jess23x wrote: »

I have a barclay card initial and I was not on the electr roll at that time

Thanks for the reply.

Still in two minds whether to apply or not :huh:

Did you have an instant decision with the online application or did you have to wait the 7-10 days letter response with being deferred to underwriters?

Curr946

Not being on the VR does not auto decline any application but will make leanders question your identity and ask for ID. You will be providing your prev address right?

crbuilder

Curr946 wrote: »

Not being on the VR does not auto decline any application but will make leanders question your identity and ask for ID. You will be providing your prev address right?

Hi Curr946,

Yes i will be providing my prev address as per my credit report.

Just don't want to waste a credit search/application to be instantly refused due to no ER information.

Just been talking with the Barclaycard Live helper via there website but they were very 'cautious/diplomatic' shall we say when answering questions

alfred64

Everyone gets a good score on the pre-application check. I got 90%+ chance but was still declined when I actually applied. Don't take the score too much to heart.

Curr946

Its common that when you move you score is hurt, both to not being on VR and not having established at that address. But providing your last address will show the lender your not a high risk... unless you move around a lot.

izools

alfred64 wrote: »

Everyone gets a good score on the pre-application check. I got 90%+ chance but was still declined when I actually applied. Don't take the score too much to heart.

Agreed, mother was given 80-90% chance of approval on Platinum 90%+ on everything else.

Applied for Platinum with 11% cashback, insta-decline.

Weird decline letter though, stated it was due to her not meeting "internal criteria", not credit scoring, and didn't suggest she check her credit file.

Perhaps they saw from her credit file she wouldn't make them any money?