Capital One and Card Consolidation

in Credit Cards
26 replies 3.5K views
13»

Replies

  • A4445A4445 Forumite
    1.1K Posts
    I’ve been pre approved for cards previously and its been approved, I wouldn't worry about it.
  • T-G-CT-G-C Forumite
    591 Posts
    ✭✭
    A4445 wrote: »
    I!!!8217;ve been pre approved for cards previously and it!!!8217;s been approved, I wouldn!!!8217;t worry about it.

    Has yours been referred before or required a Direct Debit to open it?
    Advice provided from this account does not consist of any professional knowledge. For professional debt advice, please contact either National Debtline or StepChange. Advice may consist of personal experience, opinion and/or informational sources.
  • A4445A4445 Forumite
    1.1K Posts
    I!!!8217;ve never been told ive had to set up a DD in an application, but I!!!8217;ve sent them up anyway.
  • [Deleted User][Deleted User] Forumite
    0 Posts
    MoneySaving Newbie
    If you're getting £200 everytime then I would probably stop until things improve on your files.

    You must be getting offered low limits for a reason
  • T-G-CT-G-C Forumite
    591 Posts
    ✭✭
    !!! wrote: »
    If you're getting £200 everytime then I would probably stop until things improve on your files.

    You must be getting offered low limits for a reason

    There's nothing to improve, I only turned 18 last year. No defaults, no missed payments, no late payments.

    The highest negative factor is high total credit utilization. However, when I received my first Capital One card, I only had Vanquis back then, nothing else, and I still only received £200.
    Advice provided from this account does not consist of any professional knowledge. For professional debt advice, please contact either National Debtline or StepChange. Advice may consist of personal experience, opinion and/or informational sources.
  • A4445A4445 Forumite
    1.1K Posts
    It takes years to build up a good credit profile, give it a bit longer and things will improve. :)
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