Halifax Clarity Card Rejection

bargainbetty

To be honest, I am also confused by Halifax's policy on this.

My details - £60k salary.
No credit debt (one card, available balance of £5400, unused in six months, always paid back in full).
At the time of application, one final car loan payment of £135, with demonstrable funds to cover that, and all other bills, in the bank.
Credit score of 991 - one late payment mark from 2007.
On the electoral roll
Lived at the same address for 16 years, UK resident and citizen.
Recently obtained a new mortgage deal for £67k

Halifax have classified me in writing as a Band 1 customer and their staff have repeatedly said since the application that I should not have been refused. They have asked me to apply again, guaranteed acceptance!

However, since they inadvertently applied what appears to be a default marker to my account rather than a declination, and I have spent the last three months trying to get the situation sorted out, I'm not going with the Clarity card.

Bugsy, it isn't always black and white. I've got it in writing from the bank that I shouldn't have been refused, and that the system had also 'lost' my application (despite the markers). I think the Halifax have a problem here.

Bravehearted_2

sharpy2010 wrote: »

You're not the first person, he/she is a keyboard warrioring idiot.

My personal view is that people like this should be banned from using this forum.

And you are certainly entitled to your view, but as this is a public forum - quite pointless.

Nothing makes his views less valid than yours.

Anyone who comes onto a public internet forum to see opinions has no basis to be angry because they don't like what they're hearing.

You've called him an idiot - which really doesn't make you come off any better - so when he (or many times me,) go hard at other posters, what makes you think you can then take offence?

As I'll always say, everyone (including those of us who speak the truth but are referred to as harsh) can say what they like so long as we aren't breaking the forum rules or the law.

And my personal view is people like you that don't like to hear the truth should stay away - see?

sharpy2010

I didn't realise BugsyBrowne had a second account!

Anyway, the reason I called him an idiot is because he upsets plenty of other people. Its not a nice thing to do and its pointless, but he carries on doing it anyway.

On occasion he's posted useful advice, but more often than not writes post deliberately to be hurtful/rude.

Bravehearted_2

bargainbetty wrote: »

To be honest, I am also confused by Halifax's policy on this.

My details - £60k salary.
No credit debt (one card, available balance of £5400, unused in six months, always paid back in full).
At the time of application, one final car loan payment of £135, with demonstrable funds to cover that, and all other bills, in the bank.
Credit score of 991 - one late payment mark from 2007.
On the electoral roll
Lived at the same address for 16 years, UK resident and citizen.
Recently obtained a new mortgage deal for £67k

Halifax have classified me in writing as a Band 1 customer and their staff have repeatedly said since the application that I should not have been refused. They have asked me to apply again, guaranteed acceptance!

However, since they inadvertently applied what appears to be a default marker to my account rather than a declination, and I have spent the last three months trying to get the situation sorted out, I'm not going with the Clarity card.

Bugsy, it isn't always black and white. I've got it in writing from the bank that I shouldn't have been refused, and that the system had also 'lost' my application (despite the markers). I think the Halifax have a problem here.

Halifax dont have a problem.

Again like many - your case is simple.

Late payment.

This thing comes down to logic and algorithms.

Usually, only 51% of applicants are accepted - so lets say 1 in 2.

All the good stuff you've posted means nothing - electoral role, 16yrs etc.... if the other applicant has just that bit of a better file i.e. no late payments.

60K and a marked profile is not better than lets say 30K and an impeccable profile.

Of course the gollum at the call centre will say oh, strange you should have been accepted. Clearly doesn't know the science behind this.

Obviously human intervention is always often needed which is as you say no always black and white.

lynseync

Regardless of how high your credit score is, if you have any late payments/defaults/arrangements to pay on your file, you can get rejected for certain types of credit, including credit cards - even if they are from several years ago.

Also, many companies use IP addresses when you are applying for things, to check your location, or to stop multiple applications, so it's highly likely that they could have done this in your case!

YorkshireBoy

bargainbetty wrote: »

One late payment of £48 on a OUSBA account (notice of correction relating to a DD mess-up on the file) in 2007...

There is simply no reasonable explanation for it refusing this application and the bank confirmed that. In writing.

Was the NOC still on your file when you applied for the Halifax card?

If so, I'm surprised they so readily admitted an error on their part. Why?...because i understand all applications including such a NOC are not scored automatically. Instead, they by-pass this and HAVE to be scored/assessed by a human (in their underwriting department).

So what they're saying is a person, not their 'system', messed up with your application?