We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 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!
If you got defaults and poor score do you get rejected straight away
Options

excalibar
Posts: 40 Forumite
in Credit cards
Say if someone has defaults and poor credit rating on their file, does that mean you get rejected by any bank when applying for credit cards?
0
Comments
-
Depends which card tbh0
-
There are credit cards out there targeted specifically for people with a poor credit history eg Vanquis, Aqua etc which you'd have more luck in receiving one of those than a mainstream bank backed credit card.
You might not automatically get rejected for a bank backed cc but they are a lot stricter in their acceptance of those with a poor credit history. It may help if you already bank with them as most banks have an internal lending criteria but it's no guarantee.I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 598.9K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards