Lloyds Credit Card App accepted but crashed, shall i apply again? Please advise!

BugsyBrowne

farazfastian wrote: »

I've just generated credit report on experian and its showing my score as 869. I'm surprised it doesn't hold all the credit accounts i've and also my current address is still wrong, even the electoral information is from the old address, is this what the bank sees?

I agree with chanz4 an Experian score 869 is very low as most people have between 995-999 so I would expect you are in financial ruin or missed/late payments are scattered everywhere.

farazfastian

no i've never missed any payments, looking at report what i can see most of my records were last updated back in 2008/2009 which is very old. Also there's no search record either.
I don't understand why experian is not up to date with my credit history, but noddle giving me everything up to date.

JuicyJesus

What the others are getting at is that the Experian credit score is b*llocks and you should ignore it. You could have CCJs and it'd give you a 999, or have an immaculate payment history and get far worse. It is a waste of your money to buy it, it is a waste of your time to look at it, it is a waste of my precious lifespan mentioning it. You would get a more accurate "credit score" with a Ouija board trying to contact your dead nan.

blindman

farazfastian wrote: »

I applied for Loyds 21 months balance transfer card online and got accepted but application crashed on the balance transfer page and didn't allow me to go back.

I spoke to various teams in Loyds and they can't help much, only thing they've offered is to remove the credit search record that will take 5 days. They're also suggesting to apply again over telephone but that will do another credit search.

I'm confused now, shall i wait 5 days so that credit search record is removed or apply via telephone again now? I can't wait long as i've to do balance transfer by end of this month, please advise.

Thanks

I applied a week or so ago (on a Sunday) and the same happened to me

Also phoned up-no help really.

I have the Lloyds Vantage with On-line banking. I looked on-line the next day (Monday) at my Vantage accounts and lo and behold there was the details of the CC as well.

Well actually there were TWO CC's :cool:

I rang again (Monday) and got them to cancel one card and did several BT over the 'phone . Took a while but got there. I could only do this as I knew the CC number from the On-line banking details

BT were completed from all other CC's by FRIDAY :T

So very speedy to execute.

Card arrived about 10 days later.

Stuartzane

I applied for lloydstsb credit card last Tuesday when I logged into online banking and saw a message saying I was guarantee for a credit card. So I went ahead with the application but got rejected straight away. I was frustrated and confused as well. I rang them next morning, they were not sure why my application was declined as their computer shows I was eligible for a credit card. I was transferred to the credit department, the guy on the phone checked my current account first and put me on hold for about 2 minutes then came back to me said ' it might be computer's error or something, would you mind going through the application with me over the phone ? ' . So I did, when we completed the application and I was told that I have been approved with £3,500 credit limit. I received the agreement form two days later and signed & sent it back. On Monday, the credit card details has already appeared in my online banking.
By the way, they did search callcredit.

farazfastian

Thanks guys, yes i'll apply apply over the phone today for the same card, fingers crossed.

Btw i phoned experian and all i had to do is update my current address which i did and everything is up to date now, my rating is 978

farazfastian

Just did it over phone, and they offered me 0% BT for 6 months only


I'll wait for 5 days so that first search is removed then i'll try either Halifax or Barclays.

I just hate this credit checking system, never thought its gonna be that hard to do BT.