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Employment Detail on MBNA Application

avin
avin Posts: 9 Forumite
in Credit cards
Hi,

Recently I applied for a virgin credit card (MBNA) the application wasapproved initially but after few days I received a letter from MBNA fraudprevention which asked me to contact them. I did and they asked me to call backfrom my work as they wanted to check my employment detail.

The truth is on my application I passed my boyfriend's company as myemployer.

Am I in trouble??

Thanks
«13

Comments

  • bigadaj
    bigadaj Posts: 11,531 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    Potentially, why did you do it?
  • meer53
    meer53 Posts: 10,217 Forumite
    Tenth Anniversary 10,000 Posts Combo Breaker
    Why did you do that ?
  • avin
    avin Posts: 9 Forumite
    Recently I lost my job and wanted to transfer some of my balances to 0% card to reduce the interest charge.
    Do you know what can happen?
  • chanz4
    chanz4 Posts: 11,028 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    a good old cifas marker, and nice decline as its fraud
    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.
  • avin
    avin Posts: 9 Forumite
    would it be reported to police?
  • Rupert_Bear
    Rupert_Bear Posts: 1,303 Forumite
    avin wrote: »
    would it be reported to police?

    Why not say to them you have changed your mind and no longer wish to have the card. After all if you had received it you have a 14 day cooler off period to change your mind.

    Certainly worth a try.
  • Gromitt
    Gromitt Posts: 5,063 Forumite
    avin wrote: »
    would it be reported to police?

    Doubtful, but it would be reported to everyone who subscribes to the national fraud database, so pretty much all banks, credit card issuers, etc. Attempts to access credit in the future will give an instant refusal.

    You can try and cancel the application now, but it might already be too late.
  • Buzby
    Buzby Posts: 8,275 Forumite
    It won't be a matter for the police. MBNA are not alone in employing sharp practice when it suits them. In your situation, I'd simply embellish the story slightly by saying (if you can) you're awaiting the result of your interview as you didn't want to indicate you were between jobs. If this is a problem for them, ask them to treat you as unemployed and you'll update them with the new information later.

    However, there are better outfits around, so you might be better off not having a card from them.
  • avin
    avin Posts: 9 Forumite
    thanks but I havent received the card or credit agreement ye. can I call to withdraw my application?
  • Rupert_Bear
    Rupert_Bear Posts: 1,303 Forumite
    edited 28 May 2012 at 8:52PM
    Gromitt wrote: »
    You can try and cancel the application now, but it might already be too late.

    Not too late as the OP still has the right to change her mind.
This discussion has been closed.
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