Selfridges store card / creation finance

Watkinsfamilysdcm

Hi

I'm new here. I was very recently accepted for an asda credit card by creation finance ( because it offered cash back on shopping and petrol ). I have since found that they back the selfridges store card also. Is it wrong to assume I would be accepted for that also if I left it a few months? I won't be running up debts, just using to get special offers and extra discounts then mostly paying in full.
I haven't the best credit history in the world but I've been managing credit very well over last 12 months or so after having none for last 3 years other than mobile contracts.

Not sure if same company means acceptance or if store cards are harder to obtain.

Thanks in advance

Dr_Cuckoo3

I'm not sure that the Selfridges store card offers any benefits when shopping in Selfridges

I think you have to apply in store

There are people on this forum with multiple Creation cards

sv650s wrote: »

Hi CandyApple I had an entire range oof Creation cards as GuessWho mentioned. In the beginning of my credit card career I was wary so just targetted Creation (cause I knew they were easy about it) and US cards like Amex.

simax wrote: »

At one point I had 9 with Creation.... closed some now though...

I doubt that store cards will be around much longer - Creation has reduced it's range

Cash_Flow

It's always dangerous to assume;)

You will be credit scored again, whether you pass is dependent on your circumstances at the time.

Watkinsfamilysdcm

Thanks for the replies. I wasn't sure if I could obtain seperate products from the same credit company, and if I'm accepted for one and managed it well would easily obtain another?!
I shop at selfridges a lot and like he idea of extra discounts off in sales or VIP events.
Was pleasantly surprised I was accepted with a £950 limit with previous poor credit history.

jay87

i had 6 credit cards from creation/sygma a few years ago. i dare say theyll give you two :-) probs best to leave it 6 months

Watkinsfamilysdcm

Wow, that's a lot, lol. Are store cards harder to get than credit cards? I seem to have been accepted for two credit cards in last 6 months, but turned down for a store card.

planteria

i wouldn't touch anything from Creation, they're a nightmare.

and the Asda card is not a great deal.

i would just get a good credit card to use for all of your spending. i use Amex, backed by Barclaycard, and earn cashback on everything i spend.

Watkinsfamilysdcm

Thanks for the advice, however my previous history was rubbish so I can only get accepted for certain things. Was surprised at this one tbh. Was only wondering if I got one product from creation would I easily get another after a few months?

planteria

ah, yes...we are duplicating our discussion Watkins..

why would you want to? you need more available credit? i would just use the card you have, as can be used anywhere. i wouldnt open any store cards. and when things improve i would apply for a new card with another provider, perhaps Barclaycard, CapitalOne or MBNA.

Cash_Flow

planteria wrote: »

i wouldn't touch anything from Creation, they're a nightmare.

and the Asda card is not a great deal.

i would just get a good credit card to use for all of your spending. i use Amex, backed by Barclaycard, and earn cashback on everything i spend.

Just to add a little balance, I have held various creation cards for around 9 years now without any issues.

Watkinsfamilysdcm

Thanks cash flow. It was just clarification on if this was possible or not as I've only just got back on track having a card again and paying it off each month to rebuild credit.