First time credit card

J0hncollins

I went in to the branch of my bank last week and spoke to someone in more detail about it and explained that I have good history with them...they told me that they couldn't give me a credit card still but said they did not know the main reason as to why I was being refused...Told me to keep on doing what I'm doing, maybe use my current account a bit more and then try again in a few months..

The_pc_tech

Unless things have changed radically over the last 12 months that is my experience too.

When I was last rejected for a card I was told I did not meet their scoring, when I asked them why I was told 'we cannot tell you as it is commerically sensitive'

BTW, only go near a credit builder card if you know that you will pay off the amount you spend the same month or maybe the following month otherwise you will end up owing far more in interest.

Maestro.

J0hncollins wrote: »

I went in to the branch of my bank last week and spoke to someone in more detail about it and explained that I have good history with them...they told me that they couldn't give me a credit card still but said they did not know the main reason as to why I was being refused...Told me to keep on doing what I'm doing, maybe use my current account a bit more and then try again in a few months..

have you checked your credit record? I suspect they did with you the same as me, pretended to be accommodating but in fact treated you as a new customer (disregarding your current history with them) and solely regarded credit scoring for your application. something may be missing from your credit record, check for free on noddle.co.uk. you could also try the free equifax and experian trials as well to get the full picture...

J0hncollins

Maestro. wrote: »

have you checked your credit record? I suspect they did with you the same as me, pretended to be accommodating but in fact treated you as a new customer (disregarding your current history with them) and solely regarded credit scoring for your application. something may be missing from your credit record, check for free on noddle.co.uk. you could also try the free equifax and experian trials as well to get the full picture...

I have checked my credit score and it was basically right in the middle at 'fair'..I told him if my history with them disregarding my actual credit history counted for anything and they told me no...I have a free trial with experian at the moment, that is how I checked my score after I had been rejected

Maestro.

J0hncollins wrote: »

I told him if my history with them disregarding my actual credit history counted for anything and they told me no.

What an *rse of a bank! Which bank is it?

monchis

I am curious.... If I decide to use my credit card instead of my debit card to do a small amount of money transfer through Western Union, will it count as purchase? or as a withdrawal from a cash machine?

TA!!!! :cool::)

OneLife_OneShot

Capital One Classic is good,you should get accepted for it, is is a manageable £300 limit and I found their customer service to be impeccable.

J0hncollins

Maestro. wrote: »

What an *rse of a bank! Which bank is it?

Yeah...Halifax

J0hncollins

conisme wrote: »

Capital One Classic is good,you should get accepted for it, is is a manageable £300 limit and I found their customer service to be impeccable.

Are they as fussed about credit rating?...do they have really high charges or anything though?

Maestro.

J0hncollins wrote: »

Yeah...Halifax

Was half expecting you to say Clydesdale/Yorkshire... but I have a bit of a chip on my shoulder regarding them at the moment so i'll be quiet... there goes my theory though about halifax being an easy lender!