Different bank accounts & credit cards

Sammi_F

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.

Tixy

When using the eligibility checker the checker does not know who you currently bank with.
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?

Sammi_F

One of the questions was who you bank with? Didn't explain very well, sorry, what I meant was we've always paid our credit cards off ASAP, we've never missed a payment on any bills ever! Combining both credit cards our outstanding balance is £2000. I did do it in my partners name but as I've stated we've never missed payments so should imagine his credit rating would be good?! Thanks ��

Sammi_F

One of the questions was who you bank with? Didn't explain very well, sorry, what I meant was we've always paid our credit cards off ASAP, we've never missed a payment on any bills ever! Combining both credit cards our outstanding balance is £2000. I did do it in my partners name but as I've stated we've never missed payments so should imagine his credit rating would be good?! Thanks 😁

datlex

Where is the eligibility checker?