Home from Home

marginalnut

Hi,

I'm not the typical student, i'm in my final year and have purchased a house. Unfortunately this has meant that i've had to juggle money an amazing amount to remain in the black, thus i applied for a credit card, i got one but the interest free offer runs out on it, so i applied for the Nationwide 0% for 9months card. I've had a long relationship with the Nationwide and my mortgage is with UCB. Because i've had this long relationship with Nationwide i put down ALL of my previous address - and my all i mean 5 in the last 4 years, hey thats what students do they move house all the time.

This has obviously lead Nationwide to reject my application, technically i could put down my parents address as my home and my new house even though i haven't lived at home in 5 years, but is this unethical or is it breaking the law, it would just help me look a bit more stable and my interest free period is running out desperately need a 0% card!


Regards

J.

squeaky

I think you may get more help on the Credit Card board with this one, so I'll move you across.

Good luck

YorkshireBoy

You should use the address at which you're registered to vote, ie on the electoral roll at.

I didn't know Nationwide did a credit card with 0% on BT's. Are you sure you've read the small print?

CLAPTON

if your a student without a job, i think you have done very well indeed to get any sort of credit card with 0%.

i think any sort of rejection is likely to be because you're a student with a low income rather than you moved house many times.

also although it makes good sense to get the cheapest interest possible, most (i know not all) CC require you pay a fixed minimum percentage of the total each month, the APR doesn't affect the repayments much in the short term.

did you ask nationwide why they rejected you?