Rejected - when to re-apply

qbazdz

Hi All,

My wife has been rejected on a Halifax 0% card despite having a 80% chance according to MSE checker tool.

Just wondering how long should we wait before trying with a different provider?

I've run a check on her file and it is all ok, apart from not being fully up to date with balances (ie. one shows still some outstanding balance which was cleared a week or so ago).

Thanks!

Hominu

I'd leave it 4 weeks before applying anywhere else, but try not to apply for more than 3 providers in a 6 month period unless your credit report is prestine (in which case you could probably do 4 - 5)

Don't re-apply to the same provider for at least 6 months, and remember the ones that are simply rebrands of others.

BugsyBrowne

qbazdz wrote: »

Hi All,

My wife has been rejected on a Halifax 0% card despite having a 80% chance according to MSE checker tool.

Just wondering how long should we wait before trying with a different provider?

I've run a check on her file and it is all ok, apart from not being fully up to date with balances (ie. one shows still some outstanding balance which was cleared a week or so ago).

Thanks!

You need to find the obvious cause of the rejection from Halifax.
Salary of wife?
Association with you?
Credit cards?
Loans?
Electoral roll?
Total credit available ?
Total debts?

qbazdz

BugsyBrowne wrote: »

You need to find the obvious cause of the rejection from Halifax.
Salary of wife?
Association with you?
Credit cards?
Loans?
Electoral roll?
Total credit available ?
Total debts?

Thanks for reply Bugsy.
She's just over 35k and we have no joint bank accounts. She has only had a single CC with 0% interest before and we have just paid it off. She was given 3.5k credit at the time and we used it to get a car for her.
We are on the electoral roll and have been for the past few years every year.

According to Noddle, her score is 4/5 while mine is 5/5...

It was really strange..

Bosie

qbazdz wrote: »

Hi All,

My wife has been rejected on a Halifax 0% card despite having a 80% chance according to MSE checker tool.

Just wondering how long should we wait before trying with a different provider?

I've run a check on her file and it is all ok, apart from not being fully up to date with balances (ie. one shows still some outstanding balance which was cleared a week or so ago).
Ecker
Thanks!

I used the MSE Checker tool and it gave me a 10% chance of getting a Santander 123 credit card. However, I was accepted for the card with a decent limit. So not too sure about these eligibility checkers.