0% purchase credit cards - eligibility check

Dave90799

I am considering applying for a credit card with a long 0% offer on purchases. I have used the handy eligibility checker on this site and three others. This sites checker and two others say I have a 70% chance of my application being successful for a card a want, which is great. I then checked Noddles eligibility checker which told me that nobody with a credit file similar to mine is successful when applying for this credit card.

This has really confused me, should I apply or not?

I have checked my credit file with Noddle, Experian and clearscore recently and I have a good credit file that presents no problems such as defaults on payments etc.

any feedback is much appreciated. :j

[Deleted User]

Give it a go.

20aday

I'd also give it a go.

I've found differences between MSE's checker and the likes of Noddle. Clearscore quote me as something like an 80% of acceptance with MBNA despite MBNA's tool 'declining' me.

Superscrooge

I agree 'Give it a go'.

If you have no missed payments, a reasonable length credit history to show that you can handle credit responsibly, and you do not already have too much debt. Then you should have a good chance of being accepted. Although there are never any guarantees.

Best of luck!

Determined01

I tried this tool and was shown a 40% acceptance, I did my application over the phone as they ask more detailed questions and can clear something up easier than online. I was accepted. Halifax Clarity reward card. Now I get £5 as long as £1000 goes into my halifax current account and spend £300 a month on my credit card, consider paying council tax, petrol, food and spending, bills are classed as purchased, if you can bump it up to £300 you will be rewarded with £5 a month!