Sainburys Credit Card Application Question

gettingthere28

Quick Question, I am thinking of applying for a Sainsbury’s Credit card (For the extra Nectar Points), I currently have a Capital One credit card (Since 2008) with a £2100 limit and a balance of £66 and this is paid in full every month, I would close this if I got the Sainsbury’s card.

I only have two questionable items on my credit report as my credit card, bank account, mobile phone contract etc are prefect with lot of green ticks for 6+ years, but I do have:

A late payment from Orange in September 2007 because I had terminated the contract after my two years was up and told there was no balance, and then found out there was a balance of £27 which I paid and the account was closed inOctober 2007.

An arrangement to pay for ACE Catalogue due to redundancy,this was paid off and Settled on 23/09/09, shows as Status History 0000UUUUUU,and in last 36 Months of account activity number of status 1-2 is 0 and number of status 3+ is 0

Will these two things above effect my chances ?.

Thanks

Tixy

They would certainly potentially affect your chances, in that sainsburys would see them when they perform a credit check. But its quite possible that you might be accepted even with those items on file. Certainly the Orange item is unlikely to be an issue.

I'd imagine it would be worth applying given your file.

BugsyBrowne

Sainsburys seeing an AP on your file settled or not its still a true reflection of your report I'm going with declined based on the AP marker.