First Direct

Legacy_user

Is it me or do they deliberately make it very hard to pass the credit check?

meer53

How are they deliberately making it hard ?

Shakin_Steve

It's just you. They don't like you at all.:D

wiseonesomeofthetime

himynameisaaron wrote: »

Is it me or do they deliberately make it very hard to pass the credit check?

As each check is personal to the applicant, I'm afraid it could be you.

System

I earn £11000 on two jobs put together, annually. I put all the correct income details etc in to Capital One for a credit card and got accepted today for a Classic Card.

I guess each company has different procedures of accepting people based on their credit report.

powerful_Rogue

himynameisaaron wrote: »

I earn £11000 on two jobs put together, annually. I put all the correct income details etc in to Capital One for a credit card and got accepted today for a Classic Card.

I guess each company has different procedures of accepting people based on their credit report.

Capital One & First Direct

Like comparing chalk to cheese! Highlighted by Capital One advertising it as:

For people with bad credit or building credit

System

powerful_Rogue wrote: »

Capital One & First Direct

Like comparing chalk to cheese! Highlighted by Capital One advertising it as:

Thanks. Was just getting paranoid in case I was committing fraud by giving false details, which for the record, I haven't.

colin79666

First Direct have a £1000 a month pay in requirement unless you have another product or pay a fee. That gives a big clue as to one of their criteria.

Unless you need an overdraft I'd suggest you look elsewhere and don't ask for one. That will probably make you a more attractive customer as an overdraft on a £11k salary is only going to lead to questions about how you could afford to pay it back. Now you might have won the lottery and have a big savings account but in general you need to look at building a good credit history, particularly if you have a lower than average income.

System

You might not be the type of customer they are seeking - even with no bad credit.

DaleHarries

First Direct are one of the harder bank accounts to open. Their requirements are reasonably high and they're picky when it comes to lending. Good service though and easy to get through to on the phone.

Capital One Classic is a sub prime card, there's no comparison between that and a First Direct account!