Can I get the Halifax Clarity Card on Poor / No credit History

BugsyBrowne

Is seems of late paying credit cards on time and managing credit for long periods doesn't give you much of an advantage to people who miss a couple of payments or only been in the uk for 20 mins or with no credit history whatsoever going by recent posters on here who've been accepted.

Sometimes you wonder why you bother.

aleph_0

Maybe this is a bit cynical of me, but we know it's more profitable for the CC company if a customer doesn't pay in full each month, or is occasionally late, but does have the means to pay (so the balance does get cleared quite quickly still, so they can see there's little risk).

I do wonder if some of the internal CC company algorithms give quite a bit of weight to this when deciding applications.

Note: this isn't an attempt to justify why I might have had low limits, I've been offered both limits that I consider too high based on my means, and limits that I consider too low (of note, being aqua, but still worth playing their game).

mankarni

In My Case I have had 1 year of history so I do not know how the banks will consider completely new people landed yesterday.. Though giving credit to some one who has an income, no frequent address changes etc, but no credit history would be considered benefitial(considering some probable income) than to consider obvious badly managed credit histories..

_Andy_

716 is the minimum credit score needed.

bigadaj

_Andy_ wrote: »

716 is the minimum credit score needed.

People will believe you!

anon_ymous

_Andy_ wrote: »

716 is the minimum credit score needed.

Not true. I know that it's actually 756

jonesMUFCforever

Everybody knows if you pay for the score it comes down to 699! Keep up please LOL