easy get credit cards?

aaroncaz

are some cards easier to get than others? r.e, credit checks?

I have one with my bank, recently applied for Tesco card, got it, then got turned down by Virgin!! I know there is a link on main board to which credit agencies they use, couldn;t see tesco though!!

aj3001

The easier to get cards give you lower credit limits and higher APR, for example Barclaycard inital and Vanquis

Your bank is always a good one to try also!

aaroncaz

Thanks, got my banks one!

Tori_Bellatrix

Does anyone know which CRA that Tesco Credit Card do checks with?

ontheup_3

who do you bank with ?

if you can get tesco's i wouldnt think you have a bad CR , as from reading on here it seems one of the harder ones to get .. virgin might have turned you down for many reasons so i wouldnt rule out getting another decent card

the 3 easier cards to get are vanquis , barclays initial , and capital one but unless you are going to pay the card off in full every month i wouldnt try for these as the APR is very very high

HTH

aaroncaz

i bank with Lloyds, and thanks!!

aaroncaz

Tori, theres this link from main page, but it doesn't show tesco!!

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1129725802,83707,

ontheup_3

again i wouldnt say lloyds is a easy card to get , also bank CC's are normally hard/easy as they have more information about you other lenders wont have ie:how you run your accounts etc

have you applied for your credit reports ? it might be worth £4 to apply for both experian and equifax and have a look to see wether one/both has anything adverse on them

If they are both good then you need to look at ... maybe you have enough available credit in releation to your earnings other reason might be virgin cards are (i think) underwritten by mbna so if another card ie tesco's is underwritten by the same company you have a high chance of being refused

aaroncaz

yes, i am going to get my credit reports, i do have debts from a few years ago, which need sorting out, my bank i presume, just went on my record with them, not a check.

Tori_Bellatrix

aaroncaz wrote: »

Tori, theres this link from main page, but it doesn't show tesco!!

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1129725802,83707,

Thanks, I knew it was there but like you say it doesn't show which one Tesco would use

aaroncaz

I dont know how i got tescos, if its hard to get, yet virgin turned me down!!