Credit Club - 0% Cards

newsgroup_monkey

OK, I have a genuine reason for needing a new credit card - my wife wishes to pay for her Open University course on a 0% repayment rather than OUSBA which is a credit account (5.1% APR) and as the "Credit Club" (well worth it btw) offered me a decent handful of 0% cards, it was easy to take the one with the longest stooze. She's doing another course, so I could do the same for next year's course.

However, following it through, it bounced it, saying that I'd given different information to them than I had for MSE. It then offered me the same deal, but I'd then lost the pre-approval (meaning that I wouldn't get the full length of repayment time).

It's a bit odd really, and it's their loss. Another card provider offered me their full deal (one month less) and it went straight through.

I wonder if the Credit Club tool isn't working quite as it should?

mije1983

Seemed to work fine for me.

Although just because you don't get the pre-approval, it doesn't mean you won't get the card and length stated. Unless they have started stating this recently. Where abouts did you see that point mentioned?

I ask because I didn't have pre-approval for the card I took out a few weeks ago, but I got the full 28 months that was advertised.

newsgroup_monkey

On the credit club, on the left, many of the cards say I was 100% pre-approved and was guaranteed to get the offer.
When I started filling out the form, it popped up and said "Your details are different from the pre-approval we were provided" on the second page.

john2054

Are you sure the dates and addresses, and other account information, are exactly the same? Even a slight difference can cause this. And some time the bank may hold different records as well. Apart from this, i just don't know...