Card Refused

takman

sourcrates wrote: »

Just out of curiosity, Why do you find yourself needing a credit card anyway ?

Anyone who ever needs to make a purchase of over £100 should have a credit card to get the Section 75 protection. That covers almost everyone in the country, so really the question should be "why wouldn't you need a credit card?".

Ben8282

You have said that you have never had a good experience with Barclays.
So why do you want their card so much?
Apply elsewhere.
Refusals are not shown on your credit report as such and therefore cannot affect your score.
Too many hard searches in a short space of time can but if that was your one and only credit application hard search in the past 6 months then there will be zero effect (stated by Experian).
If you have access to your credit files, have a look at them and try to work out for yourself why you may have been refused. Assuming nothing really untoward such as ccj's or defaults, look at your balances, how much you owe, payment history, that sort of thing. Are you heavily in debt? Do you already have other credit cards? If you don't then that may well be the problem. You will need to try for a credit builder card. If you do and they are full to the brim with only minimum payments being made each month then again that could be the reason. Do you use your overdraft regularly or take out pay-day loans? If yes, that could be the reason. They may think that you are under financial stress and will not be able to afford the repayments? Is there anything about your employment or residential situation that they may not like? Is your income low? Have you lied on the application form? There really are so many possible reasons or combination of reasons. Or maybe, as others have said, you simply don't fit their criteria. If a credit card provider decided they would only accept persons who were married owner-occupiers with 2 children then if you did not meet this requirement you would not get the card whoever you were and there is nothing you could do about it.
Ignore the score. It is basically meaningless and Barclays should not have told you that refusal was due to your credit score (if that is actually what they said). Telling you that the refusal was due to information received from CRA's (or words to that effect) is a standard completely meaningless response.

Anthorn

pjhowcroft wrote: »

So i did what martin says - tried his eligibility checker, all good - went to barclaycards site - did their checker 9.5/10. Apllied for card so far so good - first application looked dodgy as it had nothing at the end of the app. 6 days no contact so tried again thinking first was bad no problems here. Rang next day just to confirm to be told both had been refused.

Why i said - try your credit score! OK did that guess what a very good on 510 no bad marks well done me!!.

Rang back - more humming and rrr'ing - you dont meet our criteria - Sorry but your site said i did, cant help you.

So rang their customer services - what an a$$ehole - basically said you've been refused go away.

So who do you go too next becuase i dont think my score had anything to do with it - they just dont want too many having a good card.

Any thoughts anyone?

One of my haunts is the Natwest credit card eligibility checker. I do that and it basically says to the effect of, "What? Are you kidding? Go away and don't come back. Not a cat-in-hell's chance of getting one." Then I get an email from them giving me an 8/10 chance of getting two of their cards which look like they have been randomly chosen. I keep doing it because I think it's funny.

Anyway, if you're sure everything is good and you have the minimum £20,000 a year income that no-one tells you Barclaycard require not even Barclaycard, it could be suspicion of fraud which explains why they won't give you a reason for the rejection.

Most people on MSE even MSE itself will say CIFAS when it comes to fraud. But there is also National Hunter which most lenders use to spot potential fraud. National Hunter records information you have inserted on Credit applications, compares them and highlights inconsistencies across different credit applications.

So if you are not diligent on putting the same information on credit applications that could get you declined because you are suspected of fraud or the person making the application is suspected of not being you.

http://www.nhunter.co.uk/howitworks/