Why did I get rejected?

Thrugelmir

PaulC5 wrote: »

I wasnt too worried about it and planned to transfer it it to another interest free credit card as the transfer fees at current are so low.

From a lenders perspective allowing people to roll over 0% balance transfers might hit them in the same way that the PDL's are now suffering, i.e. responsible lending. This has to be put in context of the individuals overall financial position which obviously differs. .

PaulW922

Several lenders have eligibility checkers - they are probably better indicators for their own products. As the BritishBloke says, Barclaycard has one. You could also check out Nationwide, Fluid and RBS/NatWest...

PaulC5

Cheers PaulW922 managed to get accepted on Barclaycard with 1.5% fee with cashback this gives me a fee of about 0.75%

Will aim to pay this one off before it runs out keeping my savings for the big purchase.

I’ve also registered on Noddle to check my report and everything seems fine apart from a late payment on a car finance back in 2009.

When will this disappear of my record? The finance agreement was fully settled Oct 2010

Thanks all for your help

[Deleted User]

It'll disappear in 6 years from the date it was applied.