Refused Credit Twice, What Should I Look For?

DJBenson

Oh well - I'm off to buy a MacBook Pro on Apple Finance (just joking...well about the finance bit anyway :rotfl: )

leeroy2009

you could try a soft search for nationwides select card lol be interesting to see what it quotes you at, via logging into your account.

DJBenson

leeroy2009 wrote: »

you could try a soft search for nationwides select card lol be interesting to see what it quotes you at, via logging into your account.

Got to the "quote" stage which shows;

Nationwide Select Credit Card
0% on balance transfers for 20 months and 0% on purchases for 12 months
Credit Limit: £5500.

So no problems there lol.

Funny thing is, the Amex Platinum which I got declined for was shown in my Noddle account as a 9/10 chance of success and also on MSE's soft-search tool.

leeroy2009

did it give you a apr figure? with a limit of £5500 its showing to likely to be accepted, need to know the apr though.

DJBenson

19.9%.

MSE soft search for Amex Platinum just said 90% chance of acceptance.

leeroy2009

well mine went through at 19.9 @ £2000 and your on much more than me, to be honest id of expected your apr to be slightly lower then what you were quoted, need to confirm this thing with your address first.

i wish you had not done so many searches, would of been nice for you to hit the apply button with that above quote, but hold off for now, if there's problems with your credit files and you manage to fix them that apr may drop right down.

DJBenson

Tried a sneaky sign-up with Experian but it knows I'm a former customer so will just have to wait for the details for the £2 login.

leeroy2009

ok bud keep us informed, i belive some people get round the free trials by using a different email addy, but cant rember if that's for Experian or equifax

leeroy2009

and as nationwide use Experian, depending who the others you applied to and what credit reference they used, if only a small amout of searches show on your EXPERIAN FILE, id be tempted to go through to the apply stage with nationwides quote. as hopefully the others may just may of been only searching Equifax.

leeroy2009

have you got a overdraft with nationwide?