90% prospects of acceptance but no card?!

loulahoula

I've just applied for a 0% spending card having used the eligibility checker. I was told I had a 90% chance of being accepted (as good as it gets) but my application was refused!! What's that all about? I'm so disappointed. I've now got an unsuccessful application on my credit file.

grumbler

loulahoula wrote: »

I've just applied for a 0% spending card having used the eligibility checker. I was told I had a 90% chance of being accepted (as good as it gets) but my application was refused!!

You were not told 100%, were you?

What's that all about?

It's up to you to try finding out. You can check your credit files and appeal the rejection.

E.g. Halifax Clarity appeal success

I've now got an unsuccessful application on my credit file.

What you've got is a credit search. Nothing more.

MSE article: Credit Scores

loulahoula

Hmm... I'm not sure how to take that response.

No, I wasn't told it was 100% because MSE's max eligibility score is 90% which I've heard Martin say in the past pretty much means you'll get it.

Despite your disparaging tone it is helpful to know that I can appeal the rejection, so I will do that. Thank you.

PaulW922

You can get 100% scores - I had one with Halifax as I had an existing relationship

PeacefulWaters

loulahoula wrote: »

Hmm... I'm not sure how to take that response.

No, I wasn't told it was 100% because MSE's max eligibility score is 90% which I've heard Martin say in the past pretty much means you'll get it.

Despite your disparaging tone

it is helpful to know that I can appeal the rejection, so I will do that. Thank you.

I think that was probably a reaction to your "my application was refused!! What's that all about?" when it's fairly obvious what it's all about. Some applications get declined. Get over it.