Barclays bank and Barclaycard initial credit card

bradztheman

Ive tried EVERY credit card for bad credit rating and been declined!

Even vanquis declined me straight away but received a text the next day saying theyre reviewing my application. Taking the mick aint they!?!?

than_prutt

bradztheman wrote: »

A few years ago, i got myself into debt on a barclays current account, i defaulted and never paid, but the default ended up showing on my credit card as partly settled.

I'm just wondering whether you could settle the old default with Barclays from years ago. Would it help you to apply for their initial card?

Consumerist

bradztheman wrote: »

Ive tried EVERY credit card for bad credit rating and been declined! Even vanquis declined me straight away but received a text the next day saying theyre reviewing my application. Taking the mick aint they!?!?

Well, hang on a minute.

If you can't get a credit card anywhere then surely they may be offering you a lifeline. It is otherwise going to be very difficult to rebuild your creditworthiness. Whether they are taking the mick or not, I think you should consider your position.

bradztheman

I would rather have a credit card than take out a payday loan. I shouldnt do either but its nice to have a credit card there if i need it.

bradztheman

than_prutt wrote: »

I'm just wondering whether you could settle the old default with Barclays from years ago. Would it help you to apply for their initial card?

It is shown as partialy settled now. After i paid off the payment plan with them.

This was all 3 years ago now. I havent missed a payment on any other bill since

I have access to payday loans yet cant even get a bad credit credit card.

bradztheman

The point is, i want a credit card if i need it, it also builds your credit rating if you dont use it, or if you do use it and make your payments ontime.

A payday loan looks bad on your credit report and stuffs you for 6 years if trying to get a mortgage

Consumerist

bradztheman wrote: »

The point is, i want a credit card if i need it, it also builds your credit rating if you dont use it, or if you do use it and make your payments ontime. A payday loan looks bad on your credit report and stuffs you for 6 years if trying to get a mortgage

But I still don't understand why you think Vanquis is taking the mick because they are reviewing your application. You said you want a credit card so what's your problem with having another chance to get one?

Having a credit card and not using it does not rebuild your credit rating. You need to show that you can successfully manage debt and that means using the card, preferably every month, and paying at least the minimum payment on time every month. Paying the full balance on time every month will, of course, save you interest charges.

bradztheman

Consumerist wrote: »

But I still don't understand why you think Vanquis is taking the mick because they are reviewing your application. You said you want a credit card so what's your problem with having another chance to get one?

Having a credit card and not using it does not rebuild your credit rating. You need to show that you can successfully manage debt and that means using the card, preferably every month, and paying at least the minimum payment on time every month. Paying the full balance on time every month will, of course, save you interest charges.

Vanquis are taking the mick saying my applocation was declined instantly on their website when i applied, then texting me the day after saying theyre reviewing it. Doesnt make sense.

Consumerist

bradztheman wrote: »

Vanquis are taking the mick saying my applocation was declined instantly on their website when i applied, then texting me the day after saying theyre reviewing it. Doesnt make sense.

I give up!

Good luck. I think you're going to need it.

bradztheman

Well Barclays did decline me just to let you all know, yet i was given a 9/10 eligibilty score.