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Total confusion, equifax & noddle

feduptoo · 2013-11-29 17:09:54

I applied for a 'bad credit' credit card a couple of weeks ago. I have no credit or defaults and an excellent score on experian. I filled out the eligibility test and it came out as 80% likely to be accepted. I wasn't accepted. A letter said they use equifax, but I couldn't understand why I had been refused. Tried to get a…

Comments

datlex Posts: 2,252 Forumite

30 November 2013 at 1:25PM

Have you tried applying for a card in a store. I have a Debenhams card for example. Got it when getting a few purchases (paid those off in full). Now use it for certain payments. (Again paying off in full). They make a decision at the till. The interest rates are high but frankly irrelevant if you pay off in full each month.

Paid off the last of my unsecured debts in 2016. Then saved up and bought a property. Current aim is to pay off my mortgage as early as possible. Currently over paying every month. Mortgage due to be paid off in 2036 hoping to get it paid off much earlier. Set up my own bespoke spreadsheet to manage my money.
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