Declined a credit card at Lloyds TSB

BugsyBrowne

Saints2011 wrote: »

If the account is new they need 6 months of account history, everyone starts on a 6 but this can change after the second month but you will not be pre approved for anything.

Credit poilcy decline / level of indebtedness / credit
Bureau data etc all come from the monthly feed Lloyds get.

Its usually around the 20th the same day as Lloyds / Halifax / BOS get paid its usually the day after (depending on weekends etc)

Everyone don't start on a 6 as I started on a 3.

bobobins

I wouldnt worry too much, sometimes the decisions they make can seem completely baffling. Take me for example:
clean credit report, all greens on 3 accounts going back up to 8 years, 32k income, 1600 credit available, on electoral roll, no ccj's, defaults or anything, no cifas, no notices of corredtion. In the last 18 months i've had:
Vanquis: declined
Aqua:declined
Barclaycard initial: declined
coop cashminder:declined
Natwest overdraft:declined
Granite:declined
Very.co.uk account: accepted:j
Must be doing something right lol.

Stereo

bobobins wrote: »

I wouldnt worry too much, sometimes the decisions they make can seem completely baffling. Take me for example:
clean credit report, all greens on 3 accounts going back up to 8 years, 32k income, 1600 credit available, on electoral roll, no ccj's, defaults or anything, no cifas, no notices of corredtion. In the last 18 months i've had:
Vanquis: declined
Aqua:declined
Barclaycard initial: declined
coop cashminder:declined
Natwest overdraft:declined
Granite:declined
Very.co.uk account: accepted:j
Must be doing something right lol.

Weird. May have had something to do with the amount of searches on your credit file??