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Any problems with the Creditclub application procedure

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roachy
roachy Posts: 10 Forumite
in Credit cards
I've been trying to move a cc debt that is due to lose the 0% intro rate, so I applied for a card with 90% chance of success through the creditclub. After 5 working days there had been a check on my file but I heard nothing back.
I then tried another 90% card and this time there was a quotation search but again, 5 working days later I've had no acceptance/decline email.

Is there a problem with the method of application or with the slack response from the card issuers?

Comments

  • Nasqueron
    Nasqueron Posts: 10,620 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Why not ring the lenders and ask? If it's not an instant yes they're probably checking your record and history to see if they want to lend to you

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • roachy
    roachy Posts: 10 Forumite
    Nasqueron wrote: »
    Why not ring the lenders and ask? If it's not an instant yes they're probably checking your record and history to see if they want to lend to you

    that would be a good idea,

    both have said they have no record of my application.
  • Nasqueron
    Nasqueron Posts: 10,620 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    roachy wrote: »
    that would be a good idea,

    both have said they have no record of my application.

    MSE system seems to be broken then.

    Try applying direct on the lender website for ONE card only, whichever is more likely to succeed and then go from there.

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

This discussion has been closed.
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