HELP NEEDED! Is applying for 2 credit cards helpful or damaging to credit rating?

Lisbon

wyebird1912 wrote: »

1) Asked my bank (Halifax) about what they have on offer. Before I knew it they told me I can't offer one (presumably because my mortgage with them is getting switched to remove my ex-partner) so I assume they put a mark on my credit rating when I was only asking what products they have, not applying yet! GRR :mad:

2)applied with Yorkshire but then it turned out you can't have a card if you don't have a branch near you (no one told me this when I first applied!) so I had to cancel this application, presumably leaving a mark again!!!
:beer:

You might want to recheck exactly why you were refused - you've 'presumed' Halifax have rejected your application because you are switching your mortgage, but you don't know for sure. If you've had a good payment record, they would surely want to keep (at least some) of your business?

Being near a branch of Yorkshire bank isn't a requirement to have a credit card (you need to be a UK resident, not a neighbour of a branch!), so it sounds as if a wire got crossed somewhere. The card issuer is only interested in getting its money, which can be paid in at any branch or transferred using online/mobile banking. Again, worth checking why your application was refused.