Turned down for store card, WHY?

ruthroberts1980

Hi,
My aunt, who is 80, resently applied for a store card and was refused. She got rather worried by this, thinking there maybe something dodgy on her credit. I've had a look at her credit report on experien at her rating is 999 out of 1000 (wish mine was!:)). She owns her own home, has no debt or credit, no storecards or credit cards, although she has had a platinum card in the past.
Would anyone have any ideas why she could have been turned down. Would her age have been a factor? Or that she has no other store cards? Or maybe their systems are s**t! Any ideas much appreciated, seems a bit strange to me :huh:.

gingeralan

Quite often if you have no debt store cards just decline you. I guess they don't think you'll be a good earner for them. I got declined once for a Burtons card when I was 19, but about a week later I got a loan for 3k, after this I have never been declined. Closed account though as I only take them for the discounts offered.

opinions4u

Age and lack of active credit turnover.

BugsyBrowne

An 80 year Aunt taking out a store card just sounds a bit weird I hope it wasn't Ann summers.

DevilPigeon

Does anyone still shop at Burtons...?

jonesMUFCforever

I think it is age related.
Think of this statistically - an 80 year old person is more likely to die in the next 5 years than say a 40 year old. As the debt is unsecured the OAP is much a higher risk although whilst alive would probably pay back every penny spent.

zerog

jonesMUFCforever wrote: »

I think it is age related.
Think of this statistically - an 80 year old person is more likely in the next 5 years than say a 40 year old. As the debt is unsecured the OAP is much a higher risk although whilst alive would probably pay back every penny spent.

I think you a word there.

RobertoMoir

ruthroberts1980 wrote: »

Hi,
My aunt, who is 80, resently applied for a store card and was refused. She got rather worried by this, thinking there maybe something dodgy on her credit. I've had a look at her credit report on experien at her rating is 999 out of 1000 (wish mine was!:)). She owns her own home, has no debt or credit, no storecards or credit cards, although she has had a platinum card in the past.
Would anyone have any ideas why she could have been turned down. Would her age have been a factor? Or that she has no other store cards?

I'd go with the lack of other credit.

ruthroberts1980 wrote: »

Or maybe their systems are s**t! Any ideas much appreciated, seems a bit strange to me :huh:.

Don't forget they can say turn down just about anyone they want for just about any reason they like. If they turned her down because she applied on a tuesday and they always turn down people who apply on tuesdays, that's up to them.

steve1980

ruthroberts1980 wrote: »

Hi,
My aunt, who is 80, resently applied for a store card and was refused. She got rather worried by this, thinking there maybe something dodgy on her credit. I've had a look at her credit report on experien at her rating is 999 out of 1000 (wish mine was!:)). She owns her own home, has no debt or credit, no storecards or credit cards, although she has had a platinum card in the past.
Would anyone have any ideas why she could have been turned down. Would her age have been a factor? Or that she has no other store cards? Or maybe their systems are s**t! Any ideas much appreciated, seems a bit strange to me :huh:.

Her Experian score means diddly squat. They are just three random numbers that are generated by the CRA's.

They go on the credit history, not score.

No debt, no history, no credit.