Barclayloan Pre Approved Information Please

duckyduckuk

Hi everyone;

I have been with Barclays Bank around 9 - 10 months and when i opened the account they told me i was able to have £100 overdraft and also Barclaycard .

I have £4000 limit on my Barclaycard and balance is paid off every month full.

But my account still not showing any Pre Approved Loan offers for me and when i phone them up they are saying they are not able help.

Im also member to Experian and Equifax and my credit file perfectly fine. Theres no declined application, no late payments or missed payments to anything.

I have 3 x mobile phone contracts, barclaycard, barclays bank account and black horse car finance.

Im self employed and put over £5000 through my barclays bank account every month.

So does any experienced people can advice me when normally people get pre approved offers or what would you suggest me as i need loan of £5000 over 3 years.

Any helps is appreciated.

Kind Regards

BugsyBrowne

You're with the wrong bank mate if you're looking for pre-approved offers as Barclays are the worst for this.

You get the odd one or two who have had offers but its very rare.

You want any credit product like a loan then they will tell you over the phone if you're eligable for one.

duckyduckuk

Thanks for your reply. Which bank is the best as like you said over the telephone person advised me that my account not been updated long time so like some people say here accounts update 1st of every month but person advised me that my account hasnt been updated maybe over 3-4 months period.

Thanks

BugsyBrowne

duckyduckuk wrote: »

Thanks for your reply. Which bank is the best as like you said over the telephone person advised me that my account not been updated long time so like some people say here accounts update 1st of every month but person advised me that my account hasnt been updated maybe over 3-4 months period.

Thanks

Forget Barclays offers there's been posters on here with the greatest credit histories and bank deposits and they don't get jack neither.

Not to sure which banks give more offers more frequently but I can't really see the point in them TBH,f you want an overdraft you'll hit apply and the same with loans & credit cards and the computer says Yes or No.