AA 0% Credit Card application - would not recommend

Sea_Shell

Ok, thanks. Will avoid. Can't be doing with the hassle.

noh

No problem for me.
I applied online in January this year, got the card within 2 weeks with no requirement for paper based ID.

YorkshireBoy

noh wrote: »

No problem for me.
I applied online in January this year, got the card within 2 weeks with no requirement for paper based ID.

Exactly the same for me a month or so ago.

adindas

To balance the view with recent applicantion is available here:
https://forums.moneysavingexpert.com/discussion/5381115

alanjrobertson Old Yesterday, (e.g June 29 2016) @ 11:01 PM
"Wish I'd read this thread before applying! They've actually got even worse in their ID requirements and doctors are no longer on the list. My local bank wouldn't do it and I'm not willing to pay for the PO service. I think it's particularly annoying that they don't provide a decision before asking for all this.

Edit - applied elsewhere - instant approval, decent credit limit and £20 cashback from Quidco, result!

"

SuzieSue

YorkshireBoy wrote: »

Exactly the same for me a month or so ago.

Had either of you had ever had an AA card in the past?

I was accepted for one a few months ago with no id requests but I had had either a bank account or credit card with them in the past (I can't remember which).

I also had no problem doing a balance transfer to the card.

YorkshireBoy

SuzieSue wrote: »

Had either of you had ever had an AA card in the past?

I was accepted for one a few months ago with no id requests but I had had either a bank account or credit card with them in the past (I can't remember which).

I also had no problem doing a balance transfer to the card.

I was declined last year by them, but accepted straight off this time. I don't believe I've ever had a card from BOI in the past (can't be 100% sure, as I've had more than a few over the years!).

All my stability factors are good though...time at address, job, bank.

SuzieSue

YorkshireBoy wrote: »

I was declined last year by them, but accepted straight off this time. I don't believe I've ever had a card from BOI in the past (can't be 100% sure, as I've had more than a few over the years!).

All my stability factors are good though...time at address, job, bank.

Yes, I was declined outright by the Post Office who are also BoI last year but accepted by the AA this year.

Yes, I have also been at the same address, job and bank for over 15 years.

thrifty_fred

I've just applied for this card and it was aprroved in a week. There was no confirmation until I called them. Was first sent a PIN, the next day Direct Debit instrustions, a couple of days later was sent the card itself. The biggest problem with them was I was only given a limit of.... £1000
I have a perfect credit score!! My guess is they know they aren't gonna get any money out of me. You can only transfer the limit, minus £200. I just have to make do with this card, but will ditch it after it's run it course and see what else is on offer.

SuzieSue

thrifty_fred wrote: »

I've just applied for this card and it was aprroved in a week. There was no confirmation until I called them. Was first sent a PIN, the next day Direct Debit instrustions, a couple of days later was sent the card itself. The biggest problem with them was I was only given a limit of.... £1000
I have a perfect credit score!! My guess is they know they aren't gonna get any money out of me. You can only transfer the limit, minus £200. I just have to make do with this card, but will ditch it after it's run it course and see what else is on offer.

I got a £4k limit, but the most annoying thing about the card is that the minimum payment is 2.5% which is much higher than the normal 1%.

thrifty_fred

That is annoying, at least you got a 4k limit. I'd love to know why my limit is so low. I called to see if they could up it and was told not. She tried to be helpful and said I could try in 6 months, bearing in mind the offer is only available for 90 days!!!