We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Lloyds Credit Card Eligible
sam437
Posts: 8 Forumite
in Credit cards
hi everybody,
I had an enquiry with my bank lloyds today, and I was told over the phone that I'm eligible for a credit card with them. Does it mean that if I proceed I will get the card without doing a hard search on my file, knowing that they get CRA monthly feed, or it's an estimate and I should do a full application.
Also they said I may get up to £7000 limit, does that mean that usually such offers can get up to £7000 or that my limit with them will be something around that.
thank you
I had an enquiry with my bank lloyds today, and I was told over the phone that I'm eligible for a credit card with them. Does it mean that if I proceed I will get the card without doing a hard search on my file, knowing that they get CRA monthly feed, or it's an estimate and I should do a full application.
Also they said I may get up to £7000 limit, does that mean that usually such offers can get up to £7000 or that my limit with them will be something around that.
thank you
0
Comments
-
Whilst I've never dealt over the phone, I have taken a couple of 'guaranteed acceptance' online offers in recent years, and never been formally externally searched.
Furthermore, the indicated limit is what I got.
They do say, however, that the offer is made "providing your circumstances haven't changed recently", which points to their reliance on the CRA monthly feeds as you suspected.0 -
Many thanks for your reply, I can't see any offers on my online banking, I was told that over the phone, the advisor mentioned that I'm eligible, but didn't say guaranteed. Is that the same ?YorkshireBoy wrote: »Whilst I've never dealt over the phone, I have taken a couple of 'guaranteed acceptance' online offers in recent years, and never been formally externally searched.
Furthermore, the indicated limit is what I got.
They do say, however, that the offer is made "providing your circumstances haven't changed recently", which points to their reliance on the CRA monthly feeds as you suspected.0 -
Not in my opinion, no.
I wouldn't take a phone CSA's word. I'd want to see it in writing, either online or in branch*.
* Ask nicely and they might 'swivel' the screen so you can view your guaranteed offers.0 -
Thank you, I will pop into a branch tomorrow0
-
I have been try Lloyds Credit Card but I always get rejected
0 -
I applied, and was accepted for £7000 as quoted0
-
I logged in to my lloyds banking and saw pre approved for lloyds platinum 0% balance transfer for 24 months with 1.5% transfer fee or 12 months 0% purchases got exactly limit quoted no hassle0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.9K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.2K Spending & Discounts
- 246.9K Work, Benefits & Business
- 603.5K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards