Creation Card yes-no ?

Agnimuse

Hi everyone!
I am new to this forum and need some help regarding applying for a credit card.
Thanks for reading my message!

As I read through topics here I kind of lead me to the idea that a Creation card is hard to get.
Anyone of you has an experience with them?
What about their different card types? Is any of them easier to get then the other ones?

Could you also give me an aproximate score rating needed to be accepted with them?

Many thanks in advance !

Ben8282

Unfortunately the eligibility checker doesn't work with Creation so you really will have to apply to find out.
You appear to want any Creation issued card, rather than any one specific card from their range. Why exactly?
The best thing to do would be to determine exactly what sort of card you want, use the eligibility checker to see what sort of result you get with other lenders comparable products then make your own decision as to whether to apply to Creation or not.

sjbrun

A credit score is just a number made by the credit score companies. It's whats on your report that counts. Just use the card eligibility checker on this site to see what you can get. I got pre-approved for MBNA balance transfer card and I wouldn't say my score is that high.

Candyapple

Agnimuse wrote: »

Thank you Ben!

The card I had in mind was the balance transfer card.

What would be the other similar products I could check my eligibility with?

Do you know about what score is needed for the card?

Thank you again.

Creation have 2 credit cards - the Everyday card and the Balance Transfer card.

The Everyday card should only be used as a travel credit card as there are no fees for usage abroad or withdrawals abroad. Although you can also do balance transfers to this card with no fee, what would be the point given the interest rate is 12%?

The Balance Transfer card offers 0% interest on any balances that you transfer for 12 months, however the fee is a whopping 5%.

Look here instead:
http://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards

Agnimuse

Ben8282 wrote: »

Unfortunately the eligibility checker doesn't work with Creation so you really will have to apply to find out.
You appear to want any Creation issued card, rather than any one specific card from their range. Why exactly?
The best thing to do would be to determine exactly what sort of card you want, use the eligibility checker to see what sort of result you get with other lenders comparable products then make your own decision as to whether to apply to Creation or not.

Thank you Ben!

The card I had in mind was the balance transfer card.

What would be the other similar products I could check my eligibility with?

Do you know about what score is needed for the card?

Thank you again.

Agnimuse

Could anyone let me know please what is the approximate minimum cdit score required to get the Creation card? Is it tougher to get than other cards?

pcman1985

The minimum credit score to get a guaranteed acceptance for the creation card is 1001 on Experian and 901 on Equifax.

However you may get accepted witg a score of 0, and declined with an Experian score of 999 and Equifax score of 899.

What does this tell you? The scores have no impact on acceptance and mean diddly squat.
As you can probably guess, you can't get a score of 1001 on Experian and 901 on Equifax.
They're also not scores, they're randomly generated numbers.

BlondBoy

Aginmuse

You're worrying way too much about the score. Have a read of this:

http://www.moneysavingexpert.com/loans/what-credit-scores-mean

Instead, as others have suggested, try the eligibility checker elsewhere on this site - it may show you have a good chance of getting a much better deal than Creation is offering.

https://www.moneysavingexpert.com/eligibility/credit-cards/

planteria

i've recently become a Creation customer via the Asda Mastercard, which seems to be fine CS-wise and is generating some cashback at the odd retailer that doesn't accept Amex.

Agnimuse

planteria wrote: »

i've recently become a Creation customer via the Asda Mastercard, which seems to be fine CS-wise and is generating some cashback at the odd retailer that doesn't accept Amex.

Hi Planteria. Thank you for your reply.

Could you let me know please which CRA did they pull your credit file from during the application? And if you had any information regarding the scores needed for them to approve you.
Thank you in advance!

[Deleted User]

Agnimuse wrote: »

And if you had any information regarding the scores needed for them to approve you.

You don't have a score. You don't need a score. No one sees the score. The score is irrelevant. You can have any score you want.

Oh, one more thing. Ignore the score.