bank of scotland credit card

samsonprince

i havent got a bank account with the BOS, but have a mortgage with them..my credit rating isnt great but have vanquis, aqua and cap one cards...would it be worth applying for a BOS credit card?

YorkshireBoy

samsonprince wrote: »

my credit rating isnt great

Why isn't it?

but have vanquis, aqua and cap one cards...

Why do you want a 4th card?...cheaper borrowing? You're not paying interest on the other 3 cards are you?

would it be worth applying for a BOS credit card?

Depends on your replies to the above questions.

samsonprince

quite simply id like a bos card to test the water, to see if i can get a prime credit card instead of the sub cards

YorkshireBoy

So that just leaves the other two questions then...

1. Why isn't your credit rating great?

2. Are you currently paying in full each month on the other 3 cards or are you carrying interest bearing revolving balances?