Rejected for credit card

robmcdougal90

hi applied for a credit card from lloyds and got rejected. Have no debt and one credit card which i dont use.Have just moved to a flat, and got a new job and opened two savings accounts with lloyds aswell. Im assuming that they are not giving me one as i moved in the last 2 months and have only just opened acconts with them, or is something else wrong??thanks

GeorgeUK

check your credit report and see if there is anything on there that may be putting them off.

You shouldn't have more than 3 credit checks by different companies within a 6 month period, otherwise your credit rating may be affected.

Have you any late payments in the last 6 months or holding alot of credit on old unused cards?

It may simply be a case of LTSB not being one of the most generous lenders. Someone like virgin may be a better alternative, but have a search on the forum to see who might be best.

As they take into account income in calculating your credit score, could this be a factor?

custardy

yup i would give them a call and see whats going on if nothing shows on the credit check

MABLE

I find it hard to believe you were turned down by LLoydstsb for a card. Was it not them a few years ago that accepted an application from a dog.

System

MABLE wrote: »

I find it hard to believe you were turned down by LLoydstsb for a card. Was it not them a few years ago that accepted an application from a dog.

Not at all helpful, but funny!

jonesMUFCforever

albertross wrote: »

Why not use the unused CC instead?

Very good question!:T