Credit cards

Bridson66

Hi everyone,
Please can anyone answer my question. I live on a lovely island called the Isle of Man. I'm sure a lot of people would have heard of it. If I wanted to get to England it would be half an hour on a plane and about 2 and a half hours on a boat so I'm really not that far from the UK so WHY OH WHY can I not get a credit card just because I don't have a UK address???? I have had a Marks and Spencer card before, paid it on time, never missed a payment. Seems absolutely ridiculous. Does anyone have an answer, PLEASE.....

smithers1981

May I suggest you try a forum in your own country this is a UK forum and I doubt many will be up to date on the policies of exotic islands such as yours.....

grumbler

Bridson66 wrote: »

....I'm really not that far from the UK so WHY OH WHY can I not get a credit card just because I don't have a UK address???? .....

Maybe it's because CC companies don't want to have problems with chasing you should you fail to pay?

Fruit_and_Nut_Case

Bridson66 wrote: »

Hi everyone,
Please can anyone answer my question. I live on a lovely island called the Isle of Man. I'm sure a lot of people would have heard of it. If I wanted to get to England it would be half an hour on a plane and about 2 and a half hours on a boat so I'm really not that far from the UK so WHY OH WHY can I not get a credit card just because I don't have a UK address???? I have had a Marks and Spencer card before, paid it on time, never missed a payment. Seems absolutely ridiculous. Does anyone have an answer, PLEASE.....

You haven't given us enough information. Have you applied for a Flybe card? That's available to IoM residents.

Maybe you are bankrupt. Maybe you don't earn enough. We just don't know from what you have told us.

bouncydog1

MBNA allow non mainland uk applications. Halifax, Lloyd's, bofS, Santander don't. Where have u tried?

PeacefulWaters

It's possible of course, that British based banks with offshore operations provide credit card facilities through these.

http://islands.lloydsbank.com/credit-cards/platinum-mastercard/

antrobus

PeacefulWaters wrote: »

It's possible of course, that British based banks with offshore operations provide credit card facilities through these.

http://islands.lloydsbank.com/credit-cards/platinum-mastercard/

Or any of this lot:-
http://www.fsc.gov.im/licenceholders/SearchLicenceHolders.aspx?type=Current&id=1&searchtext=&selection=Deposit+Taking&submit1=Submit

Apart from Messrs Simpson and Spratt. They're the liquidators of Kaupthing. I doubt they're offering credit cards.

bigadaj

If the OP were that desperate he could offer to pay uk tax which might help things.

onerickylambert

The same reason residents of Donegal or Calais can't get a UK credit card; you don't live in the UK (and probably most importantly, aren't subject to UK laws on credit)