Refused for credit card and no idea why

cattyboo

Evenin all!

Originally posted in DFW but didn't get many takers.

I applied for a John Lewis credit card the other day (jointly with my partner) and got refused. Hmph. No reason given, just a big fat 'no'.

We've got a credit card already which we've always paid off and never been any trouble with it. I've had (arranged) overdrafts but they're all cleared now. My partner has never been in any unsecured debt but we've recently taken out a mortgage for our first house. We also recently opened a joint account.

I'm wondering if the refusal could be something to do with our credit score being a bit nobbled of late by all the mortgage checks, bank account opening and other house buying related stuff. Is that plausible or could it be something worse? Basically, what did we do wrong?! I've never been refused credit before and it's pretty worrying. Help!

Any thoughts?

Ta very much in advance,

Love C xxx

Fruit_and_Nut_Case

cattyboo wrote: »

[...] No reason given [...]

This is normal. They keep their criteria secret to prevent people manipulating their applications to wriggle through the requirements.

CLAPTON

what do your credit records say
are you on the electoral roll at you new home
and you can't reaaly apply for a cc jointly

probably better to wait six months so you credit files settle down after your move.

Imogen1

It's probably because you have such a good credit rating that they can't get anything out of you - especially if you pay back in full every month.
Something similar happened to me recently - it's quite a shock isn't it?

JohalaReewi

You can often find that after a house move, your credit worthiness takes a hit until you are established at the new address.

cattyboo

Thanks very much to everyone for your helpful replies.

Nothing bad on credit record and we are on the electoral register.

Feel a bit better about it now but yes it really was quite a shock! Will leave it be for 6 months.

Thanks again everyone :beer:

Love C xx

Saints2011

cattyboo wrote: »

I applied for a John Lewis credit card the other day (jointly with my partner) and got refused. Hmph. No reason given, just a big fat 'no'.

Just so you know a credit card is in a sole name, you just put down to add your husband as a card holder this does not make it joint and you are responsible for the debt.