Good credit but not accepted for credit card

LynseyD_2

As fas as I know, I have a good credit rating - I have used the free trials on some of the credit rating websites and there has been nothing "bad" come up. I have had store cards, catalogue accounts, argos card for years and have always paid on time. I do currently have a credit card with Nationwide but I wanted to transfer my balance to somebody else because I am not overly impressed with NW. However, I have not been accepted and I don't want to apply for loads as I have heard this can lower your credit rating. The only issue I can see is that I have moved house a lot in the past couple of years - not through fault of my own (no rent arrears or evictions or anything like that). The house I stay in now is my permanent house but I have only been there for 6 months. Will I just have to suck it up until I have lived there a few years or is there something else I can do?

unimaginative_user_name

Are you on the electoral roll as that can have an impact on your ability to get credit?

webbhost

I had the same problem with no-one accepting me.

Funnily enough, Barclaycard seemed to let me have one, with a good credit limit too. If you've not tried a lot already then try them, you may get lucky!. Just be careful as applying for too many in 1 go can affect your credit rating also.

Let me know how you get on!

LynseyD_2

Yes, I am on the electoral roll.

I tried to apply for Bank of Scotland and Barclaycard but got refused for both so I didn't want to try any others.

I don't have too much of a debt on my Nationwide credit card and I still have about 6 months interest free so there is no real issue staying with them, except their customer service is ATROCIOUS!!

YorkshireBoy

Income?
Time with employer?
Total available credit?
Total Used credit?
Any financial associates?