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Creation Cards
Ben8282
Posts: 4,821 Forumite
Does anybody know:
- which of the Creation credit cards is the easiest to be accepted for.
- which of the Creation credit cards is most likely to be approved with a credit limit sufficient for £6K bt.
I have noticed that in addition to the FlyBe and Marriott cards, Creation also offer 2 'Creation bt cards' one with 12 months 0% bt and one with 17 months 0% bt. Apart from this and the APR I can't see any difference between these 2 cards.
Presumably, the acceptance criteria are different. My question is how to decide which one should be applied for. If the 17 month card is applied for and the acceptance criteria are not met, would a 12 month card then be considered or would the application just be declined. Conversely, if a 12 month card was applied for but the eligability criteria for a 17 month card were met, would one be offered?
Reason for choosing to apply for Creation card is that I have held one of their storecards for years and years and years which has a very long payment history and currently a £0 balance.
- which of the Creation credit cards is the easiest to be accepted for.
- which of the Creation credit cards is most likely to be approved with a credit limit sufficient for £6K bt.
I have noticed that in addition to the FlyBe and Marriott cards, Creation also offer 2 'Creation bt cards' one with 12 months 0% bt and one with 17 months 0% bt. Apart from this and the APR I can't see any difference between these 2 cards.
Presumably, the acceptance criteria are different. My question is how to decide which one should be applied for. If the 17 month card is applied for and the acceptance criteria are not met, would a 12 month card then be considered or would the application just be declined. Conversely, if a 12 month card was applied for but the eligability criteria for a 17 month card were met, would one be offered?
Reason for choosing to apply for Creation card is that I have held one of their storecards for years and years and years which has a very long payment history and currently a £0 balance.
0
Comments
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If you have their store card go for the 17 month 0% your will be fine.Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.0
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