Aqua card without Electoral info?

CreditCrunchie

Hi,

I was added to the electoral roll at my current address on 17th February, but the CRA's won't update this information until April. I really want to begin building a good credit history in preparation for applying for a mortgage in 2 years time. I've never had a credit card before and was thinking of applying for the Aqua classic as they are designed for those with little or bad credit.

I am wondering if it will be ok to apply for this now, or if I should wait until after April when the ER appears on my file?

Which CRA do Aqua use, does anyone know?

Thanks

The_Boss

Wait until April and then check again. Two months extra won't make a great deal of difference if applying for a mortgage in 2 years and not being on the electoral roll could be fatal for your application.

lisyloo

I would wait until April.

Do you have a bank account?
You could apply for a credit card with your bank.
They will rely on their own internal records as well as just the credit check so it's always a good place to start.
It might not give you the best credit card in the world with the best perks, but at least it's a start.

CreditCrunchie

I'm with nationwide and they declined me a card last year. It took them 8 years to give me a £500 overdraft.. Which they won't increase. Don't fancy my chances with them!!

fuzzgun19

Did you manage to get a card?