how can i see if I'll be accepted for a new CC or not?

System

You should pay off the overdraft, but not cancel it.

That way your debt:credit ratio will be reduced which is a good thing on your credit report (althought not sure if this would be useful when applying for more credit)

James129

skintdad wrote: »

Nationwide soft quote does indicate credit limit. If APR quoted is 19.9% it often means that you will be declined when you apply

I was accepted with 19.9% apr with £3000 credit limit. I am also flex account holder.


Ps the reason I think they quoted me high apr because I have had around 20 searches in last 3 months.

BugsyBrowne

James129 wrote: »

I was accepted with 19.9% apr with £3000 credit limit. I am also flex account holder.


Ps the reason I think they quoted me high apr because I have had around 20 searches in last 3 months.

20 searches= desperation = declined

Your lucky they even accepted you.