Barclaycard / Barclays Finance - Same Thing?

RichL74

Hi,

Owed Barclaycard a grand or so in my youth so got defaults etc chased for it all that jazz.

Some 15 years later obviously am a lot more financially sound, have a credit card with Nationwide and no debts showing on my credit report(s) my credit score with Experian is 1001 and with Equifax it says 'U iz Uber Cool' [Note - Jokes okay?!]

Applied for, and failed with, a fincance agreement for some Apple products who were doing a 10 month interest free credit offer on products - the finance is arranged through Barclays Finance.

I think it's been discussed before, if you owed money to a company, dont bother going back again as they blacklist you for life however the simple question is, are Barclaycard / Barclays Finance the same company (the name probably gives it away durr!) but I can think this is the only reason for the thanks but no thanks letter?

InsideInsurance

They are different parts of the same organisation

It could be they have blacklisted you but 15 years is a fairly long time to hold a grudge - my ex started working for the bank that made her bankrupt (which was never paid off) after only 8 years and got staff lending etc.

Any "score" given to you by a credit reference agency isnt worth even mentioning. What you need to look at is your history, and possibly the lack of, and combine that with your personal circumstances (salary to credit ratio, length of time with bank/ employer/ address etc)

CLAPTON

what exactly do your credit files say?

RichL74

I was joking about the credit scores hence me putting in 'Joke'

Credit files say Nationwide credit card limit £xxxx balance £0.00 as I have paid it off and havent used it this month.

Also have an Argos Card, owe about £80 on that.

Mobile phone contract up to date.

All greens across the board.

No searches in last 4 months.

EDIT: I would never apply for a Barclaycard again.