nationwide credit card

mum_of_lewis

I applied for a nationwide credit card it said 19.9 with a £1500 limit, what was the percentage for a decline? i know the loan was 24 something.

Thanks
Janette xx

simax

19.9% with the lowest limit (£500) is almost always a decline. Mine was £2,000 with 19.9% and was an instant accept.

mum_of_lewis

Hi,

Thanks for the quick reply,im sitting here saying will I or wont I!
Just didnt want it to be a waste of a search.I always thought 19.9 was a decline.

Ok I will sleep on it.

Thanks Again
Janette x

totallybroke_2

I just got one last week, £1000 limit and 0% on purchases

Pantera_Fan

When I tried a few months ago it said 19.9% with £1,500 limit which turned into a decline upon a full search.

jo-bo

Mine was £2500 at 19.9% and was accepted no probs, even increased my limit to £3100 after 4mths!

simax

jo-bo wrote: »

Mine was £2500 at 19.9% and was accepted no probs, even increased my limit to £3100 after 4mths!

Did they increase automatically, or did you apply for the increase?

banks-

did they accept you?

Cheers

MentalMinnie

Mine was 9.9% with a limit of £2,900. Got an istant decision.

jo-bo

simax wrote: »

Did they increase automatically, or did you apply for the increase?

I was messing around on my online banking and I thought I'd see what happened:)

creditnewbie2012

Hi all, I'm new to credit cards, a current flexaccount holder with Nationwide. I tried to apply for a credit card online with nationwide yesterday and was offered 9.9% - pretty good i thought, but I decided to think about it and speak to a few people about what I should be looking for as I've never had a credit card before.

I decided to go for it, but the second time around, it came up with 15.9%, which I thought was odd, as none of the information I entered had changed. So I cancelled the application.

I tried again today, and this time it said 19.9% !!

I called Nationwide and they said it could be because after a certain page in the process, the credit rating is checked, and each time I cancelled the application and reapplied, it will have taken the previous ratings into account, thus upping my APR each time.

I'm pretty gutted about this, since I've NEVER had a credit rating before and 9.9 was really good, has anyone else had a similar experience, or can they tell me how to correct things?

The form didn't tell me that if I went past a certain page it would affect my rating, so I'm a bit annoyed really... would anyone of you have expected this outcome?

Advice etc is much appreciated,

Thanks everyone.