Halifax blacklisted Daughter for declining card!

Gordon_Hose

If she's never had any form of credit this will be a huge negative factor in itself. The £500 limit would reflect this, your daughter would be treated with caution as she is an unknown quantity where credit is concerned.

Whenever you apply for any sort of credit a search of the CRA's is carried out. Your daughter wasn't refused credit, she turned it down. Now she has a search and no credit history recorded, which could be viewed as even worse if she applies elsewhere.

I suspect the letter was an automated and scripted 'one size fits all' letter. You should read it and post it's exact contents here (witholding names, addresses and reference numbers), I would think it's not worded as harshly as you've made out.

Game_Over

Duncraig wrote: »

My daughter is going to USA on holiday. She followed the advice on this site and applied for a Halifax Clarity card by phone. They said her credit limit would be £500 and as this was not enough she told them it wasn't worth getting the card and she would not want one so cancel the application. They agreed. Two weeks later they've written saying she has been blacklisted for being a bad risk !!!!
What do we do as they say we can look on Experian but have to pay for that?

Any chance you could post up an image of said correspondence? (removing any personally identifiable information first)

:cool:

SuperHan

Yes, from my first post, I'm sure blacklists do exist, and there are people who companies will point blank not deal with. I generalised to the OP's situation

And I think you have misunderstood the situation, OP. As your daughter may well have too.

If she has no credit, most lenders will struggle to deem her 'worthy' of credit, as she has no proven record that she can manage it. As a result, she will not get high credit limits on credit cards. £500 is about reasonable. I have credit with a number of institutions - including a mortgage - and the highest credit card limit I have is £1,700 - and it's taken about 6 years since my first credit card to get to that point.

The letter is probably a generic you-applied-but-didn't-get-the-card letter, so it may be factually incorrect as your version of events indicate she did get credit checked and passed, but didn't pass 'well enough' to get the credit she wanted.

There will be no real long term detrimental impact from this, so don't worry. It may be worth lowering your expectations, however, as it's unlikely she'll get much more of a limit offered. If Halifax is who she banks with - there's even less chance - as generally your own bank are usually willing to lend you the most.

giblet10

Blacklist isn't a term generally used in the credit industry - different types of exclusions exist but as others have said it's usually nothing more than a provider having had its fingers burned by an individual so they won't do business with said person ever again - a bit like me and Amex.

Some providers do forgive, some also forget, but some have long memories.

What has happened here is nothing more than the a credit card being offered at which point your daughter said no thanks when she found out the credit limit. The Halifax, being so script driven and automated probably don't have a pre defined letter for such a scenario - so they've sent the one that the system has been programmed to send.

inmypocketnottheirs

There is National Hunter.

gunsandbanjos

Guess the OP didn't like our answers?

chattychappy

inmypocketnottheirs wrote: »

There is National Hunter.

Yes, I'm wondering if there was some inconsistancy found in the application and it was reported to N Hunter.

In the case of Barclaycard, people often get given limits and even receive their cards only to have the account cancelled within days.

Anyway, we need the exact wording of the letter from Halifax.

Gentoo365

SuperHan wrote: »

What words have they used, as being blacklisted isn't a thing.

It is.

Individual banks hold lists of people they will not do business with

The home office (or some department) produces lists of people with sanctions of some kind

Fraud prevention companies (NHunter) keep lists of people that have committed application fraud (inc. exaggerations etc)

Only credit reference agencies don't have 'blacklists'. Other blacklists do exist.

Gentoo365

On a related note I once had a halifax card that I only used for balance transfers and the odd special offer (interest free purchases).

I received a letter to say they were closing my account as I was misusing the account.

I rang and they did not really say much, so I assumed that they just did not want the business. To be fair they had a point. They were not making any money from me.

It has not affected my credit rating or impacted any other applications though. They just see me as bad business. meh.

gunsandbanjos

Gentoo365 wrote: »

It is.

Individual banks hold lists of people they will not do business with

The home office (or some department) produces lists of people with sanctions of some kind

Fraud prevention companies (NHunter) keep lists of people that have committed application fraud (inc. exaggerations etc)

Only credit reference agencies don't have 'blacklists'. Other blacklists do exist.

Thank you, someone else who knows that blacklists do exist.