Tesco Credit Card Application Help

Legacy_user

I'm in the process of applying for a credit card with Tesco. Not convinced I'll get it as I don't have much credit history (never had any debt before - only mobile phones and DDs for utilities), but I thought I'd give it a go before looking at anything more sub-prime.

The only only problem is that the application is asking me for the date that my bank account was opened. I've had the same account since I was 5 years old, so for over 20 years. Obviously I have no idea when it was opened, as I wasn't exactly keeping records back then! I don't want to put the wrong date and get declined on a technicality. Also, the account has been through some changes - it's currently a graduate account. Is this counted as one account throughout the time that I've had it, or is each change classed as a different account? And what do I put as the date opened if I really can't remember? Is there a way of finding out through the bank?

YorkshireBoy

Put down the date of your 18th birthday. Around 8-9 years will count for a lot.


Saying 20 years when they know you're 20-something may sound an alarm?


Whatever date you put on this application, be sure to keep to this date when making future applications for financial products, because your application data is shared with fraud prevention agencies!

System

That's really helpful; thanks

System

It's come back with an APR of 20.9% and a limit of £2,900. I know no-one on here has a crystal ball, but based on other people's experience/knowledge does this mean likely acceptance or rejection?

zerog

If you got rejected it would have said you were rejected.

Cash_Flow

x-caitlin-x wrote: »

It's come back with an APR of 20.9% and a limit of £2,900. I know no-one on here has a crystal ball, but based on other people's experience/knowledge does this mean likely acceptance or rejection?

looks Good from where am sitting

VictimOfImpersonation

YorkshireBoy wrote: »

Put down the date of your 18th birthday. Around 8-9 years will count for a lot.

Saying 20 years when they know you're 20-something may sound an alarm?

Interesting tactic YorkshireBoy and I am sure you make the suggestion in all seriousness!

Whatever date you put on this application, be sure to keep to this date when making future applications for financial products, because your application data is shared with fraud prevention agencies!

I wouldn't worry too much about that given my recent experience and most posters reactions to it!

moshoodo1

It is good news, thats your apr and your limit but be prepare to send your proof of ID as tesco is known for asking for proof of ID even when you are accepted straightaway.

System

Thanks, everyone. Got four more days to wait, so I imagine I'll be asked for ID then if they're going to progress with the application. Finger crossed

antonymp

x-caitlin-x wrote: »

Thanks, everyone. Got four more days to wait, so I imagine I'll be asked for ID then if they're going to progress with the application. Finger crossed

Not necessarily. I applied Online back in July last year and was accepted straight away, I received my PIN & Card within a week and I was never asked for proof of ID.

Frugalsod

I might apply later in the year to do a balance transfer when I have cut my card balance significantly. I will use the balance transfer to accelerate my repayments. Nice to know that they do balances above £1200.