Cashback cards for those without perfect history?

foolishboy

...BR on my file from 2008, defaults are starting to drop off already and I'll be squeaky in April next year.

I have:

Full barclays current account with £500 OD
Flybe card £1900
Creation card £6500
Capital One card £3000
YBS Mortgage

..no cards hold a balance, never used the OD.

Anyone? I used the Barclays online checker tool and it said I had a very good chance of their cashback card but I got a decline - worth applying elsewhere?

Cheers!
FB

fozmcfc

Obviously the bankrupcy is an issue, but it could also be that you have a lot of credit available, whether used or not, compared to your salary.

I.E. say you earnt £15k a year, then 11k + of credit available to you, is a very high amount.

Having a lot of credit available, compared to salary doesn't affect everybody, but I would think it would affect someone who doesn't have a squeeky clean credit file.

CLAPTON

I'ld wait untill your credit files are clean

use the CC you have regularly and pay in full in the mean time

Cycrow

what about going for the Barclayard initial, then upgrade later to the cashback card?

opinions4u

Ring Capital One and Barclays and ask if they'd switch you to a cashback product.