fair credit rating cant get credit card

sibod2002

hi guys im after a credit card my rating is 431 on equifax and last time i checked on experien it was fair about 750 i think

i am getting declined for every card i apply for even though i have had loans cards and mortgages which have either been settled or are being paid off without a payment being missed ever and on time every time.

any advice on what i can do or cards i can apply for?

Tixy

The score is not the important thing to focus on.

Are you employed? What is your income?
Do you have any existing debts? how much do you owe? what are your total credit limits?
Do you have an overdraft? do you use it every month? do you get out of it every month?
Who do you bank with?
Are you on the electoral roll?
Are you financially associated with anyone?

How many credit applications have you made in the last few month?
What cards have you appliedfor and been declined for recently?

Lessbutbetter

The scores mean nothing i'm afraid. This is the first thing you need to realize.

Do you pay off balances on your cards in full every month, or do you carry a balance?

Current debt to income ratio - is this high?

sibod2002

hi currently i have a mortgage with halifax and a loan with hsbc which both i am paying monthly and have never missed a payment.

i am in full time employment earning 24k a year roughly

any more info just ask if u think it will help me

thanks

jonesMUFCforever

Where does your salary get paid into?
This bank would be my first port of call.

If they have declined you - then stop all new applications for the next 6 months. The more applications you make in a short period of time the more desperate you look to a potential lender.