Stupid question I know but....

carol1963_2

I feel as if I daren't ask, so please don't shout and I know I'm probably asking the same question again and again but - I've done Martins' eligibility check on getting a new credit card and everyone single one has come back with a fat 0, is it worth me trying anyway to get one (was going to try Nat West because that's who I bank with) or is it just going to screw my credit rating up even more. Thank you

p.s. This is not scam, just in case people think it is. Carol x

SCO

carol1963 wrote: »

I feel as if I daren't ask, so please don't shout and I know I'm probably asking the same question again and again but - I've done Martins' eligibility check on getting a new credit card and everyone single one has come back with a fat 0, is it worth me trying anyway to get one (was going to try Nat West because that's who I bank with) or is it just going to screw my credit rating up even more. Thank you

p.s. This is not scam, just in case people think it is. Carol x

Try for one with your bank, they know your history.

Tixy

A single application isn't likely to make much difference to your credit file.

But do you know what is on your file? do you know why these are showing you are likely to be declined?

bengalknights

Try for a vanquis card and build up that way

iAMaLONDONER

carol1963 wrote: »

I feel as if I daren't ask, so please don't shout and I know I'm probably asking the same question again and again but - I've done Martins' eligibility check on getting a new credit card and everyone single one has come back with a fat 0, is it worth me trying anyway to get one (was going to try Nat West because that's who I bank with) or is it just going to screw my credit rating up even more. Thank you

p.s. This is not scam, just in case people think it is. Carol x

Try Luma or Capital One

redpete

carol1963 wrote: »

I feel as if I daren't ask, so please don't shout and I know I'm probably asking the same question again and again

Well yes it does seem that way. Did you ever try NatWest as people have suggested before? Did you ever try Capital One like has been suggested (even by yourself I think) before?

but - I've done Martins' eligibility check on getting a new credit card and everyone single one has come back with a fat 0, is it worth me trying anyway to get one (was going to try Nat West because that's who I bank with) or is it just going to screw my credit rating up even more. Thank you

As said before, an extra application won't make a big difference if your record is bad enough to make it unlikely already.

InsideInsurance

SCO wrote: »

Try for one with your bank, they know your history.

Thats assuming your history with them is fairly good. If your history with them is bad too then you're better off going for a sub prime card company like Vanquish

The_Boss

SCO wrote: »

Try for one with your bank, they know your history.

But as Martn said recently- knowing your history could also be a bad thing

OP - when was the last time you checked your credit file?

sirwiggum

Your bank may know your account history, but I suspect too many of them have seperated their current account and credit card departments such that they might as well be seperate companies.

I tried with my bank Santander.

Being with them for 4 years, steady income, never overdrawn, regular direct debits that have never bounced.

They came back with 'Computer says no'.

The days of explaining your situation to a bank manager are long gone.

Went with Capital One / Luma myself and was welcomed with open arms. Only something for occasional expenses.

Deadbeat

carol1963 wrote: »

I feel as if I daren't ask, so please don't shout and I know I'm probably asking the same question again and again but - I've done Martins' eligibility check on getting a new credit card and everyone single one has come back with a fat 0, is it worth me trying anyway to get one (was going to try Nat West because that's who I bank with) or is it just going to screw my credit rating up even more. Thank you

p.s. This is not scam, just in case people think it is. Carol x

Have you seen your credit file? There may be something more major on it, like being missing from the electoral register, or a default you didn't know about? If you're not on the register, get on it asap, or if there's any incorrect info on your file, you can get it removed.

carol1963_2

Thank you to all repliers.

I'll give Nat West a go and like everyone says it can't get any worse than a refusal.

My credit report is all ok, all up to date, no defaults etc., etc.,

Carol x