Applying for a credit card

dippe2001

I want to know wot the credit card that offers the best benefits. I just checked my credit report and my score was 911 to my amazement


The other thing is my bank lloyds tsb won't give me an overdraft becos of a CDR Data quality team marker. Don't have any lending with lloyds.

Just want to knw if that will affect me getting a credit card

aleph_0

dippe2001 wrote: »

I want to know wot the credit card that offers the best benefits. I just checked my credit report and my score was 911 to my amazement


The other thing is my bank lloyds tsb won't give me an overdraft becos of a CDR Data quality team marker. Don't have any lending with lloyds.

Just want to knw if that will affect me getting a credit card

A quick google suggests that this is just an internal marker, so it shouldn't affect anything outside lloyds, but inside lloyds, they don't want to give you credit for some reason.

The credit score doesn't mean anything. Experian generate it using some function on the data they have, but each banks will use an entirely different functions to decide whether to give you credit, depending on who they're looking for. What's more important is that your credit report shows ability to pay on time, not defaulting. etc.

Dr_Cuckoo3

CPD = Credit Policy Decline

CPD only affects Lloyds TSB accounts

celiacelia226

A little annoying, do not like using credit cards.

dippe2001

Thanks, don't like them also but it's sometimes needed for emergency.

So wot cc do u think I have a best shot @ getting?

dippe2001

Are MBNA cards any good? Or any suggestions ?

Also don't have my name on the voters role, would that affect my application ?

BugsyBrowne

dippe2001 wrote: »

I want to know wot the credit card that offers the best benefits. I just checked my credit report and my score was 911 to my amazement


The other thing is my bank lloyds tsb won't give me an overdraft becos of a CDR Data quality team marker. Don't have any lending with lloyds.

Just want to knw if that will affect me getting a credit card

You can still have an excellent credit history but still get a CPD at lloyds,they can put one on your account if you've got high borrowing outside of lloyds and still have a internal score of 1 based on your behaviour or a new customers who they want to see good account conduct first.

You can have a 1 excellent internal score with lloyds and that doesn't mean a CPD is not been slapped on there.

dippe2001

All still very confusing, I've been on this CPD decline thing for a year now, and just scared that if I apply for credit anywhere else I would automatically be declined

dippe2001

Thanks for the info/advice guys

Fruit_and_Nut_Case

celiacelia226 wrote: »

A little annoying, do not like using credit cards.

Please forgive me if I'm wrong but are you a Spambot? I'll gladly apologise if I'm wrong.

dippe2001

Not a spambot, just looking for advise or information

Why the spambot question