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Credit cards confusion.
Villafandan82
Posts: 1 Newbie
Hi guys.
I'm new. But I read this place a lot. I have a few questions. I had a IVA nearly 7 years ago now after getting into serious issues. I cleared it, it's no longer in my credit file and I've rebuilt it in just over a year which I'm proud of.
One thing that I'm confused by. I currently hold a
Halifax bank account (switching to first direct shortly.)
Halifax credit card
RBS credit card
Lloyds debit card.
Why do some places accept you and others not even acknowledge you? I thought it might have been due to previous actions with companies before my IVA, but I had a capital one CC in the last year before closing it and moving it to halifax (capital one was one of my creditors when I entered into my IVA)
Hope this makes sense. Keep up the good work!
I'm new. But I read this place a lot. I have a few questions. I had a IVA nearly 7 years ago now after getting into serious issues. I cleared it, it's no longer in my credit file and I've rebuilt it in just over a year which I'm proud of.
One thing that I'm confused by. I currently hold a
Halifax bank account (switching to first direct shortly.)
Halifax credit card
RBS credit card
Lloyds debit card.
Why do some places accept you and others not even acknowledge you? I thought it might have been due to previous actions with companies before my IVA, but I had a capital one CC in the last year before closing it and moving it to halifax (capital one was one of my creditors when I entered into my IVA)
Hope this makes sense. Keep up the good work!
0
Comments
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Companies just make decisions on their own criteria and sometimes just cant be bothered to explain. Just the way they do business.Still rolling rolling rolling......
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