Does this look like its accepted to you did to me!!!!

Gromitt

Sarahlou78 wrote: »

My credit ain't that brilliant but shocked they accept you then refuse not good really

Some companies (eg. Barclays) send you the card and PIN, and THEN send you a letter saying you've been unsuccessful. How about that for a kick in the nuts?

MrSilk

Sarahlou78 wrote: »

Yes they offered me the secured card where you pay £200 deposite for a £200 credit limit which I find silly

If they offered you this then you won't get the Classic unfortunately.

Sarahlou78

I know that just wanted to know why I was approved online then rejected by post for the classic and offered that tat

MrSilk

Sarahlou78 wrote: »

I know that just wanted to know why I was approved online then rejected by post for the classic and offered that tat

No one on here can tell you that, maybe call Capital One, however they may not be even to tell you why.

Maybe, they carried out further checks?

Hominu

Sarahlou78 wrote: »

I know that just wanted to know why I was approved online then rejected by post for the classic and offered that tat

Because the approval was automatic and done by computer, and when someone viewed your report manually, they didn't like it and overruled the computer.

Sheriffsam

whats your credit history like? have you got any defaults? do you have a contract mobile phone? Any missed payments?

MrSilk

Sheriffsam wrote: »

whats your credit history like? have you got any defaults? do you have a contract mobile phone? Any missed payments?

Must have a few surely, as they offered the secured card at £200 for a £200 limit. High risk for sure

MrSilk

Sarahlou78 wrote: »

Yes they offered me the secured card where you pay £200 deposite for a £200 credit limit which I find silly

That isn't silly, If you are taking out the credit card to imrpove your score, then a £200 refundable deposit for a £200 limit is not silly at all.

I had no issue with paying a £200 deposit for the card 4 months ago, I knew my credit history was bad, and I wanted to take the right step to improve it; whether that meant being without £200 for a year or not.