Nationwide Credit Card Quotation

Simon7685

My latest Noddle report suggested I had a high chance of being accepted for Barclaycard Initial, Barclaycard Platinum and Nationwide Select.

I am 12 months into using sub prime cards which have all been paid in full every month and all had limit increases. I also have current account with £200 overdraft facility, which I have never used and a mobile phone contract.

The Nationwide select have quoted me 15.9% APR with a £500 limit. Has anyone else had this sort of quote and then gone on to a successful application?

I don't want to leave a search unless I think I stand a decent chance of being accepted. This would be good to if I could get it and then get rid of one of the sub prime cards.

Rupert_Bear

Simon7685 wrote: »

My latest Noddle report suggested I had a high chance of being accepted for Barclaycard Initial, Barclaycard Platinum and Nationwide Select.

I am 12 months into using sub prime cards which have all been paid in full every month and all had limit increases. I also have current account with £200 overdraft facility, which I have never used and a mobile phone contract.

The Nationwide select have quoted me 15.9% APR with a £500 limit. Has anyone else had this sort of quote and then gone on to a successful application?

I don't want to leave a search unless I think I stand a decent chance of being accepted. This would be good to if I could get it and then get rid of one of the sub prime cards.

I applied a few days ago for the Nationwide cc and the quote was
15.9% and CL £4000.

However someone posted on here if the quote was something like 19.9% and cl £500 this would normally lead to a decline.

With me I went ahead with the full search and said the cc was agreed in principle subject to final checks.

stephane_2

If nationwide quoted you £500 limit then will probably be declined if you go ahead.
Why do you not try the pre-application check on Barclaycard website. I would not trust a site like noddle...they are telling you that you've got high chance to be accepted for Barclaycard initial with a 30% interest but as well for their platinum card!! Does not make sense....

callum9999

stephane wrote: »

If nationwide quoted you £500 limit then will probably be declined if you go ahead.
Why do you not try the pre-application check on Barclaycard website. I would not trust a site like noddle...they are telling you that you've got high chance to be accepted for Barclaycard initial with a 30% interest but as well for their platinum card!! Does not make sense....

I don't see why Barclays pre-application check will be any more accurate than Nationwides?

Or are you saying people getting £500 limits normally get declined? The consensus that I've personally seen normally say 19.9% and £500 is a decline, haven't seen 15.9% and £500 being declined yet (not that I'm particularly paying much interest in it so I could well be wrong!).

stephane_2

Personally I would never risk a full search for £500....what's the point. Am not saying that Barclaycard pre-application check is any better but at least they'll certainly have more personal information to assess his application compare to noddle...

Sheriffsam

Do all nationwide cards have a soft search app first?

RichL74

I might sound really anal here, but can we not keep the Nationwide stuff to the single thread?

https://forums.moneysavingexpert.com/discussion/3504483

People are repeating the same info over and over again and it's all in there.