Lloyds Credit Card Application

fearlessdukuman

Applied for a Lloyds credit card through the online banking a few days ago.

Whilst applying it came up that I could add details to transfer upto £6500 of balance's from other cards.

Do you think that means I'll be accepted?

Not had much credit before, got a £1000 OD with Lloyds which I never use, a capital one card with around £400-£500 a month spent on it and cleared

trikidy

You won't know until it comes back.
On the online banking does it give you the option to upgrade your account? If so to which level?
That is usually a good indicator to what your internal score is.

fearlessdukuman

Yeah, it gives me the option to upgrade to silver...

I take it that's not so good?

glennc1981

Silver is the cheaper of the Added Value accounts. It's not quite an offer like a credit card or loan but the invite to a better account can't be bad eh?

Rupert_Bear

fearlessdukuman wrote: »

Yeah, it gives me the option to upgrade to silver...

I take it that's not so good?

Mine gives the option to upgrade to silver but you can compare with other accounts and on mine all the upgrade buttons are available up t the top account. Did you check there as well.

BugsyBrowne

Rupert_Bear wrote: »

Mine gives the option to upgrade to silver but you can compare with other accounts and on mine all the upgrade buttons are available up t the top account. Did you check there as well.

Rupert as you know been with lloyds only 5 days and wondered how long it took for you to get offers etc.
I don't want to upgrade to platinum or have their credit card or take out a loan but it would be nice to flash up which then shows my account is running pretty good.

jon142

BugsyBrowne wrote: »

Rupert as you know been with lloyds only 5 days and wondered how long it took for you to get offers etc.
I don't want to upgrade to platinum or have their credit card or take out a loan but it would be nice to flash up which then shows my account is running pretty good.

Try your APR for a loan.

1000 at 12 months for any purpose. its only a quote will give you an indication.

Its a personal quote tho based on your internal scores.

Apply thought the online banking.

jon142

Also £6500 is the default amount that comes up.

This is not personal to you everyone gets that!

Rupert_Bear

BugsyBrowne wrote: »

Rupert as you know been with lloyds only 5 days and wondered how long it took for you to get offers etc.
I don't want to upgrade to platinum or have their credit card or take out a loan but it would be nice to flash up which then shows my account is running pretty good.

Hi Bugsy,

Well as you know the score changes every month but in my own personal opinion and possibly wrong but may be up to 6 months but only guesswork. I have been with Lloyds for about 30 years and as you no doubt aware it was whether the bank manager liked you.

They normally update about the 20th so see what happens then.

As I have said to you before you can get an idea of your standing by getting a loan illustration. I suggest you put in an illustration figure of say £10k and see what comes up. Mine is normally about 8%.

Good luck anway!