Nationwide Soft Search "offer"

RichL74

That's a good point, I didn't set a direct debit up while applying.

simax

The final checks are anti-fraud checks, so you should be OK

Simon7685

Just done one of these to compare against the one I did in December 2011. They offered me £500 limit with 19.9% then, now it's still £500 but the APR is down to 15.9%.

Don't think I will bother going to full application as I expect it would probably still be a decline but at least all the things I am doing to build my credit rating seem to be paying off with the APR dropping on the quote.

I'll wait until December and see where it comes in at then. It's a long road back to credit worthiness but it does feel good to know things are improving!

RichL74

simax wrote: »

The final checks are anti-fraud checks, so you should be OK

Thanks for that, still not counting my chickens mind you

Like I said, I'm not used to all this online application stuff - would it have declined me online there and then if it was a no or still make me go through all the rest of the application?

BugsyBrowne

RichL74 wrote: »

Thanks for that, still not counting my chickens mind you

Like I said, I'm not used to all this online application stuff - would it have declined me online there and then if it was a no or still make me go through all the rest of the application?

Well you should start counting your chickens as your nationwide CC will be dropping through your letterbox soon.

RichL74

This wasn't what it said for me however, for info and for anyone else wondering what happens when you click apply after getting a 19.9% APR and £500 limit, you get this nice box:-

Thank you for applying for a Nationwide Credit Card. We are sorry but, after carefully considering your application, we are unable to offer you a credit facility. We have received information from our credit reference agency, Experian, which has adversely affected your application. Under the terms of our agreement with Experian, we are unable to disclose this information directly to you. We ask you to accept that we rely on the accuracy of the information supplied to us and that, unless there is some significant error in their data, our decision is final.

You might be lucky, but for people wondering what it said after you click apply.

sirwiggum

Sorry for dredging up an old thread, but I got the above quote after they offered 15.9% and a 3200 limit.

I wish that they'd not do that, that they'd say there and then "Computer says No", rather than mucking about like that.

You-kip

sirwiggum wrote: »

Sorry for dredging up an old thread, but I got the above quote after they offered 15.9% and a 3200 limit.

I wish that they'd not do that, that they'd say there and then "Computer says No", rather than mucking about like that.

15.9% & £3.2k limit I'm surprised it didn't go through TBH.

pauletruth

just had mine arrive 7,500 credit limit. which was a bit of a shock as i only had a sub prime card. my credit history has been horrible but no just shows a new current account a card and a small mail order credit. was sure i was going to fail. give it a try.