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Can you reach a application lemit

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I was wondering if you could get to the certain point with getting credit that they stop lending money to you ?

My husband use to be able to get credit with no problems at all. were homeowners and his noodle report is 3/5 but all of a sudden (he needs to get a new cc to transfer a balance) he seems to be getting declined for credit and were unsure why

we got a sofa from DFS last year and started paying for this in April and also we brought a new card last October no problem at all but now he cannot get anything, I wondered if you could max out the amount borrow or why you may think that this would be?

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  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Yes, you can. You can't borrow money infinitely. Whether this is the case for your husband though, we can't say.
  • forgotmyname
    forgotmyname Posts: 32,918 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Borrowing exceeding 50% of his earnings?
    Censorship Reigns Supreme in Troll City...

  • The_Boss
    The_Boss Posts: 5,856 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 18 July 2014 at 3:18PM
    If you were homeowners and kept to repaying your mortgage on time when you had it then that should reflect positively on your credit files.

    The "noodle" (or Noddle even) score means nothing - and this is a classic reason why. As suggested above, if you borrow amounts equating to a substantial proportion of your earnings then lenders are going to pull the plug on any further lending in future for affordability reasons. Noddle don't know your salary.

    Finally what does "brought a new card last October" mean? Do you mean successfully applied for it?
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