Santander Credit Card Application Question.

Attackthebanks

Hi guys,

I applied for a Santander card last night on-line but it never gave me a decision at the final screen.
I got a ref number and that was it.

Is this the norm?

Horseunderwater

It can be - a lot will depend on your income/debts if any. When I had one last year they only gave me a C/L of £2.5k & I was pre approved. I'd had a high one with Barclaycard before which was coming to an end of it's 0% period & was stoozing my debt to another card, so I had to then get another to sort the balance out. But then I have a good credit record ATM.

MrSilk

At weekends, late at night, and on bank holidays; it's more than likely that they couldn't contact the CRA, so I presume the credit check shall be done today or tomorrow?

[Deleted User]

I applied last Thursday evening and had the same thing. To be fair it doesn't actually say anywhere that you will get an instant decision.

When I logged into online banking on Friday evening I could see the credit card and limit. They still haven't contacted me but I must be approved so I guess the first you hear is the card coming through the post.

If you bank with them I'd log in and see if a card shows up under 'my accounts'.

moneysaverXXL

Horseunderwater wrote: »

It can be - a lot will depend on your income/debts if any. When I had one last year they only gave me a C/L of £2.5k & I was pre approved. I'd had a high one with Barclaycard before which was coming to an end of it's 0% period & was stoozing my debt to another card, so I had to then get another to sort the balance out. But then I have a good credit record ATM.

thanks, this helps a lot

thebritishbloke

MrSilk wrote: »

At weekends, late at night, and on bank holidays; it's more than likely that they couldn't contact the CRA, so I presume the credit check shall be done today or tomorrow?

It's all an automated process, so surely that wouldn't make a difference? If it was referred for manual review, then I understand your point.

guesswho2000

thebritishbloke wrote: »

It's all an automated process, so surely that wouldn't make a difference? If it was referred for manual review, then I understand your point.

It's automated, but some automated systems still don't work out of hours and sometimes they're down of maintenance late night or over weekends, etc.

msallen

Attackthebanks wrote: »

Hi guys,

I applied for a Santander card last night on-line but it never gave me a decision at the final screen.
I got a ref number and that was it.

Is this the norm?

I applied for a Santander card a couple of years ago and had the same experience. I rang them to ask and it was because it had been referred for a decision - if things are still the same then I agree that they don't make that clear on the website.

gunsandbanjos

I had the same thing last week, got my card in the mail the other day without any further communication from them.

TheEffects

Lazyloki wrote: »

I applied last Thursday evening and had the same thing. To be fair it doesn't actually say anywhere that you will get an instant decision.

When I logged into online banking on Friday evening I could see the credit card and limit. They still haven't contacted me but I must be approved so I guess the first you hear is the card coming through the post.

If you bank with them I'd log in and see if a card shows up under 'my accounts'.

I wanted to know as you already bank with sanatander like i do, who did they do the external agency credit search with or is it based on internal accounts performance?

Kind regards

The Effects

Attackthebanks

stryker wrote: »

Give them a ring you thick bell end, what a stupid question.

The difference with my replies to you is i am able to make a point without having to resort to offensive remarks like above.

Duly reported to mods.