nationwide soft search

kperry1034

Done a soft search on nationwide Credit card, came back with limit of 1200 and apr of 19.9 .. Good chance or not?

BugsyBrowne

kperry1034 wrote: »

Done a soft search on nationwide Credit card, came back with limit of 1200 and apr of 19.9 .. Good chance or not?

IMHO I would say Decline but you won't know until you apply.

Stuartzane

I did a soft search and came back with £500 at 15.9% few weeks ago. I took it as decline so not bothered to go ahead with the application.

B19JON

When I did mine, it came back with £2500 & 19.9%
I was accepted.

Jules2012

In previous threads I have read I think £500/19.9% is a decline,

However I think £1200/19.9% borderline so I would check your credit report before going further.

anon_ymous

kperry1034 wrote: »

Done a soft search on nationwide Credit card, came back with limit of 1200 and apr of 19.9 .. Good chance or not?

Stuartzane wrote: »

I did a soft search and came back with £500 at 15.9% few weeks ago. I took it as decline so not bothered to go ahead with the application.

I'd wait 3 months or so

Initially, Nationwide were offering me £500 and a credit card at 19.9% APR

Three months later, they offer me the Nationwide select card with a 2K limit, a 0% APR for 12 months and 12.9% thereafter

Saying that, I do pay in £800/month

Nurse_ratchett

I was quoted £2500 @ 19.9%, I changed it to £2000 accepted straight away.

anon_ymous

I'm a) a student
b) Most of my money isn't in Nationwide
c) Its £800 in, £800 out

I pay in £800 to meet the £750 minimum

Likewise, I pay £500 in to N&P

droiderm

I was offered 7k and declined at 19.9. Then was quoted the same the day before applying for a current account. They accepted me for the current account with a 2750 overdraft , and approved me for the credit card at 7 grand at 15.9 .
In my opinion the soft search is pointless if you have had previous credit issues .

kelr101

I've been quoted £3,500 limit at 15.9%.....what do you think my chances are of acceptance?

(note I only want a card for emergencies / work travel so would lower the limit to £1,000 or £1,500)

AMG762

kelr101 wrote: »

I've been quoted £3,500 limit at 15.9%.....what do you think my chances are of acceptance?

(note I only want a card for emergencies / work travel so would lower the limit to £1,000 or £1,500)

You have a very good chance of being accepted with that.

Just out of interest do you bank with them?