Aqua accepted to Decision in post.

Dandytf

This is the furthest of got via Aqua.

This evening accepeted@44.9 6 mths 0% purchases.

Then I got 'we are unable to make a desision' with app reference.

Completed the quiz.

Decision in post, what does this mean to mser's a little confusing

boo_star

Dandytf wrote: »

This is the furthest of got via Aqua.

This evening accepeted@44.9 6 mths 0% purchases.

Then I got 'we are unable to make a desision' with app reference.

Completed the quiz.

Decision in post, what does this mean to mser's a little confusing

It means it's been referred to a human being to make a decision and that decision will arrive in the post.

Dandytf

boo_star wrote: »

It means it's been referred to a human being to make a decision and that decision will arrive in the post.

Thanks.

It the apr mentioned it;s not an essential card t.bh.

Thought I would test the95% MSE's ellgibility checker, though no guarantee of course.

Aqua has been 70% various checkers for a few years, only gone to 95% very recently, interesting,

boo_star

Dandytf wrote: »

Thanks.

It the apr mentioned it;s not an essential card t.bh.

Thought I would test the95% MSE's ellgibility checker, though no guarantee of course.

Aqua has been 70% various checkers for a few years, only gone to 95% very recently, interesting,

For an Aqua card the APR is irrelevant, it's always so eye-watering that you'll never want to do anything other than pay it off in full.

[Deleted User]

Aqua 'accepted' me online several times..... followed by decline in the post.

I kicked off about unfair treatment of customers, and breach of TCF and got £50 as a gesture of goodwill, as they were insistent I didn't get an accept message online (I did!) they seem to think I got refer (didn't until the very end!).

As I don't have a printscreen, but caused enough fuss, they gave me £50 to shut me up. So if you get a decline in the post, email the executive office and complain that their application process is (still) misleading.

I believe the accepted @ 44.9% is provisional on passing the silly behavioural quiz - which you didn't do, so it went to an underwriter, who may accept or decline you. However, the accepted @ 44.9% says nothing about it being provisional, and IMO they shouldn't give out 'accepted' or rate until AFTER the quiz (if you pass it).

I'm waiting 6 months before I re-apply, as instructed.... and I'll take a video of the process this time, to start yet another complaint that their website is still confusing to customers and potentially in breach of the TCF principles if they haven't changed it!

A4445

I think Aqua do a soft search to give the APR and if you accept they then run a full check. I tried last year and was offered 34.9 then signed credit agreements and it was declined after the quiz. Not sure if anyone knows if the first bit where the gave the APR is a soft or hard search?

Dandytf

A4445 wrote: »

I think Aqua do a soft search to give the APR and if you accept they then run a full check. I tried last year and was offered 34.9 then signed credit agreements and it was declined after the quiz. Not sure if anyone knows if the first bit where the gave the APR is a soft or hard search?

Cannot answer if it was a soft search pre quiz.

I was declined after the quiz earlier this year, this time got accepeted with apr mentioined.

Then 'while you are waiting...' try the quiz.

I've got a note of my application reference.

The 'you'll hear from us in writing' was after acceptance/apr though pre quiz.

The difference this time in addition to acceptance/apr is the quiz was very last part, I had been declined once or twice past yrs when quiz was much earlier inton online app.

[Deleted User]

It does say 'subject to final checks' at the APR stage, but 'final checks' usually refer to checks at the Fraud Prevention Agencies.

A soft search (on call credit!!!) then decline on hard search (to Eq/Ex) would be a lot more understandable, especially in my case - but that's not explained anywhere - so one would assume 'apply' (after inputting your details) is an application (hard search) not a quotation!

Oh and after I failed the silly quiz so many times in the past, as soon as I got my refer app number, I quit without completing the quiz!

Dandytf

Thanks

If its final fraud egencies check, then maybe I got acccepted.

Though my doubt is from you'll hear from us in writing.

Not sure if Aqua mention credit limit online,(not all do, though Tesco foundation did my latest card)

System

Would you not be better sticking with and repaying the other cards for 6+ months?

Dandytf

Heng_Leng wrote: »

Would you not be better sticking with and repaying the other cards for 6+ months?

Edited, frorgot to say Thanks Heng Leng.

What you advise is very sensible.

Currently I have very small balances across existing cards-1 of which is <100 -that's been paid@15 p/m.
Highest balance is 270 approx Cap 1-min dd setup -I'll add 15 once 1st card is cleared, maybe pre xmas with a little self discipline.
That's what I was in process of anyway.
Just testing eligibility checker and difference of accceptence as mentioned earlier i.e 70% since 90%