Excellent credit rating, low income.

Juzza12

I just want it for the added protection for purchases over £100. I would clear the balance completely every month.

Just checked Experia and my score is 999.

I went through LoveMoney.com eligibility checker and it gave 80% chance for Aqua/Aqua rewards, but the checker on here only gave 10%. I take it the one through this site is the one to trust more?

Cheers

ETA: The Experian checker comes up with a 70% chance for various Tesco cards, but Tesco did not come up with the MSE or Lovemoney.com checkers.

DCFC79

Juzza12 wrote: »

I just want it for the added protection for purchases over £100. I would clear the balance completely every month.

Just checked Experia and my score is 999.

I went through LoveMoney.com eligibility checker and it gave 80% chance for Aqua/Aqua rewards, but the checker on here only gave 10%. I take it the one through this site is the one to trust more?

Cheers

ETA: The Experian checker comes up with a 70% chance for various Tesco cards, but Tesco did not come up with the MSE or Lovemoney.com checkers.

Not heard of the lovemoney.com eligibility checker, who does it take the data from ?

When you say through this site do you mean the MSE eligibility checker ?

Maybe not all the checkers will provide the same results.

The score isn't seen by anyone else but yourself.

Juzza12

DCFC79 wrote: »

Not heard of the lovemoney.com eligibility checker, who does it take the data from ?

When you say through this site do you mean the MSE eligibility checker ?

Maybe not all the checkers will provide the same results.

The score isn't seen by anyone else but yourself.

Yes, sorry, i meant the MSE eligibility checker.

Lovemoney.com info is here https://www.lovemoney.com/creditcards#/results/zeroPercentBalanceTransfer

Juzza12

Moneysupermarket is showing me as not eligible for Tesco cards

I was hoping for something with a small reward but I think I will go with Capitol One.

Ben8282

Some credit card providers offer their own eligibility checkers which would probably be more accurate than an eligibility checker provided .by a third party,
For example, I would imagine the MSE eligibility checker uses Experian. But what if the credit provider searches only Equifax? The results will be based on different sets of information and therefore the result may not correspond.
What do you think is the specific reason why you are encountering difficulties? Is it low income or is it lack of a credit history particularly credit card credit history? If you do not currently hold a credit card as your post implies, then why are you looking to get a 0% balance transfer card? (Your link to lovemoney is to zero per-cent balance transfer cards). What will you do with such a card as you have no other credit card and therefore no balance to transfer?
In your situation I would look first at the possibility of obtaining a card from your own bank. Failing that, it will probably have to be one of the credit builder cards (ie cards for bad credit.) I do appreciate that your Experian score is 999. This strongly implies that you have managed any existing credit accounts very well (no late payments, defaults etc) but only that. To get a 'good' credit card you really do need to demonstrate a history of managing a credit card as opposed to, for example, always paying your mobile phone bill on time.
You say that you only want a credit card for s75 protection, but in reality the chances of anybody using their credit card only for normal everyday spending ever actually needing such protection is pretty low. Most people would get a credit card in order to assist with cash flow or because they want to borrow money or to stooze.
When you do apply, don't go for a card with a long 0% period. Try something at the bottom end of the range.

Juzza12

Ben8282 wrote: »

Some credit card providers offer their own eligibility checkers which would probably be more accurate than an eligibility checker provided .by a third party,
For example, I would imagine the MSE eligibility checker uses Experian. But what if the credit provider searches only Equifax? The results will be based on different sets of information and therefore the result may not correspond.
What do you think is the specific reason why you are encountering difficulties? Is it low income or is it lack of a credit history particularly credit card credit history? If you do not currently hold a credit card as your post implies, then why are you looking to get a 0% balance transfer card? (Your link to lovemoney is to zero per-cent balance transfer cards). What will you do with such a card as you have no other credit card and therefore no balance to transfer?
In your situation I would look first at the possibility of obtaining a card from your own bank. Failing that, it will probably have to be one of the credit builder cards (ie cards for bad credit.) I do appreciate that your Experian score is 999. This strongly implies that you have managed any existing credit accounts very well (no late payments, defaults etc) but only that. To get a 'good' credit card you really do need to demonstrate a history of managing a credit card as opposed to, for example, always paying your mobile phone bill on time.
You say that you only want a credit card for s75 protection, but in reality the chances of anybody using their credit card only for normal everyday spending ever actually needing such protection is pretty low. Most people would get a credit card in order to assist with cash flow or because they want to borrow money or to stooze.
When you do apply, don't go for a card with a long 0% period. Try something at the bottom end of the range.

Low income as I'm a carer for my disabled partner.

I had a credit card 14 years ago, got into debt with it although I eventually paid it off and built up my credit since (not with a credit card though.)

The Lovemoney.com link was just to show info on who provides the comparison/checker service (below the list of cards) I wasn't looking for a 0% balance transfer card.

Thanks for the reply