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Question about "guaranteed credit" checks from bank?
Younganddumb
Posts: 32 Forumite
in Credit cards
Hi,
I am just curious - I bank with Santander and while I was still in uni (with a maxed £1500 overdraft) I was in the bank and they told me while I was there that it said on my account I was able to get a guaranteed £2000 Credit Card - I was just wondering what it takes for them to offer it? Because as I recall my credit wasn't fantastic back then.. is it just a case of loyalty or is there more to it?
Thanks
I am just curious - I bank with Santander and while I was still in uni (with a maxed £1500 overdraft) I was in the bank and they told me while I was there that it said on my account I was able to get a guaranteed £2000 Credit Card - I was just wondering what it takes for them to offer it? Because as I recall my credit wasn't fantastic back then.. is it just a case of loyalty or is there more to it?
Thanks
Debt free by April 2018
£6392/£7890
Competition wins 2018: Unicorn and Mermaid colouring books
£6392/£7890
Competition wins 2018: Unicorn and Mermaid colouring books
0
Comments
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They would have been taking data from account activity, coupled with information from CRAs.
This is normally updated monthly and can alter on a monthly basis too.
It's nothing to do with loyalty, it's a risk decision.I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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