Passed soft search, then declined.

Andybez38

Congratulations - following your successful eligibility check you can now apply for the Asda Cashback Credit Card. I then proceeded only to be declined. Is it worth appealing? How common is this after passing the "soft search"

Shakin_Steve

A soft search is no more than a generic identity check. You'll notice that they say you're eligible to 'apply'. Once a hard search was done, you obviously didn't pas their criteria. You can appeal, of course, but I wouldn't hold out much hope.
Is your credit history in good shape?

Rothstein

What % chance did it give you ?

In future , try the actual company eligibility checker where possible, and then ALL the multi card online ones

Yes appeal, you have nothing to lose now !

Super_Star

It has to be a more positive check on credit history. My brother run through a creation card eligiblility check and it came back not eligible. Then he done the same for Asda card issued by Creation came back his eligible to apply but then declined the application.

If it was just an id check then it should have came eligible to apply for both card - both issued by same card provided.

Shakin_Steve

Super_Star wrote: »

It has to be a more positive check on credit history. My brother run through a creation card eligiblility check and it came back not eligible. Then he done the same for Asda card issued by Creation came back his eligible to apply but then declined the application.

If it was just an id check then it should have came eligible to apply for both card - both issued by same card provided.

Ok..I'll give you that it's more than an ID check. Hard to find out exactly what it is though.

http://www.experian.co.uk/blogs/consumer-advice/soft-credit-search-guest-post/

KILL_BILL

soft search can only give you a maybe of being accepted

its like with the mse credit matcher of being 95% accepted for a certain card and then being rejected

you can apply but then fall within the 5% of not being accepted