Asda credit card application

WillyWonga

So you now have a credit search done on a card you would have liked but now rejected it??

OK, that's one hard credit search and doubt you will get that lifted. Have you ever thought by getting you to send in proof of address they are confirming you live there and it's you applying and not a fraudster applying online with your details and intercepting your post??

Westminster

WillyWonga wrote: »

So you now have a credit search done on a card you would have liked but now rejected it??

OK, that's one hard credit search and doubt you will get that lifted. Have you ever thought by getting you to send in proof of address they are confirming you live there and it's you applying and not a fraudster applying online with your details and intercepting your post??

Pah!

Due diligence?

Don't they know who I am??

chanz4

something isn't right, hence the request. I find them one of the easiest lenders to get cards from, I have a £5k asda one, which I applied as thought may use

A4445

I have several creation cards I find them very generous. They haven't ever asked me for ID but I would have given it if they asked. Don't see why it's an issue, it's their money so if they want extra checks so be it.

Gunther_Golf

Outstanding. I do enjoy a "strongly worded letter/email" thread.

That'll teach 'em

chanz4

One thing that raises its head to me now, if they don't think its him etc don't forget creation are very happy to issue cifas

GingerBob_3

chanz4 wrote: »

One thing that raises its head to me now, if they don't think its him etc don't forget creation are very happy to issue cifas

Yes, I bet they are, like many other out-of-control financial organisations who can shaft you big time on the slightest suspicion, or not even that. In a modern society CIFAS is an outrage, or at least the way it's used is an outrage.


If the OP's address is already held by three - yes three! - CRAs, why in the name of sanity do the chumps at Creation want so-called physical proof of his address? Idiots! Physical proof is a piece of cake to forge. They already have proof of his address, as furnished by the BB databases at the CRAs.

Norscbu

takethemon wrote: »

Just to update I have received a phone call from Creation, from the person who attempted to contact me last Friday.


He has now offered me the card with a credit on it to compensate for the way I have had my application handled.


I declined his offer of the card and the compensation that went with it.

If what OP said is true then why on earth did he turn the offer down of a card and compensation when he complained? Why bother complaining if you did not want the issue resolved? Bizarre approach... if it's true that is.