Different bank accounts & credit cards

3 Posts
Hi all, I've just used the balance transfer calculator & eligibility checker to be told Lloyds wouldn't accept my application. My partner & I have good credit, never been in debt so I'm assuming it's because of who we bank with. So, we have joint accounts with Nationwide, I have a seperate account with Halifax. We want to combine 2 credit cards onto 1, 1 credit card is with Virgin & the other is with Halifax. We would just put the new card into my partners name but need to move both cards asap.Any help/advice very much appreciated.
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It seems unlikely that who you bank with primary reason for a likely decline.
You say you have never been in debt but then refer to 2 credit cards with balances.
Presumably the eligibility checker although done by you was in your partners name?
Has he actually looked at copies of his credit reports recently to see what they show and check that all information on them is correct? or is he just assuming he has 'good' credit?