has anyone actaully got the sainsburys credit card? (12 month 0% on puchases)

dan_scott

hi,

I got turned down for the card around 2 weeks ago and today my brother just told me he recived a letter saying he has also been turned down my brother who is a Pharmasist at boot (earns £35,000 a year) how can they turn down him? just wondered if anyone has actaully got this card and what credit limit did you get if you did ?

thanks

Nasnowt

Got one in December. At that time I only had one other card, which has always been paid in full every month.

I know 2 other people who got them before the end of December and another person should have a decent credit rating but was rejected recently. Maybe it is a change of policy by Sainsbury rather than anything to do with the applicants?

Xbigman

I got bounced out of their online application saying it needed reviewing.

Recieved an offer but I'd changed my mind and binned it.
Recieved another.
And another.
Recieved last chance.
And another last chance.

Seems they want some people, but not others. FYI I only have one card and I pay it off every month. I guess that makes me a good customer for them considering their 0% on purchases offer.
Regards



X

lswwong

Got mine in January. Applied at the beginning of January and got my card about 2 weeks later. Swift. Credit limit about £4000.

Nasnowt

Hmm, Martin has said in his articles that being card tarts could affect our credit ratings (if I understood him right).

Maybe the banks are looking more closely at what type of cards we apply for and when?

Big_Butts

Applied for my card in January.

I earn £30K with £42K of debt (including mortgage) and got my virtually by return of post £5700 limit.

Carol_2

Applied for a Sainsbury's 12mth 0% a few months ago - decent job good money, just got accepted for mortgage, have always had really good credit, at time only one credit card always paid off, turned me down blank. Apparently I didn't pass their credit score - scared me a little got my experian report and found nothing wrong other than not being on the electoral register at my new address yet.

Friends have also had problems with loans - earning 50k a year, no other credit, been turned down yet her retired mum got accepted staight away. I think they are more strict with credit scores which are different to credit checks. Have you moved house or job recently- are you on the electoral register etc?

Anyway I applied to Barclaycard - £3000 limit, and RBS £5400 limit no problems

loan8r

I applied in january on their web site and was accepted straight away with 5K limit.:D
Only had 1 card before that, also payed it off in full every month.
HTH.

Cheers, M.

JasonW_2

I got turned down also a few weeks ago. Got a letter saying I can write to the specialist lending team, so I did thinking Ive got the search, might as well get the account. Turned me down again. B*****ds! LOL

deemy2004

Got mine in Nov, am a seriel stoozer

An excellant spending card already maxed out at £4k.

dan_scott

Carol: like yourself when i got turned down i felt really weird i dont know why, well actaully i do ive never got turned down for a card in my life. It did make me feal better which is bad i guess when my brother got turned down earning 35grand a year but i should not say that because he felt down and he comes round now and again to use the pc and might actaully read this because he looks around on this great forum for deals now and then.