Sainsburys

in Credit Cards
3 replies 782 views
I'm looking at the 0% cards.

My credit score is good, but I have been declined for a few cards in the past (probably because I tried to have too many to use for stoozing) and Sainsburys was one of them.

Should I not even bother trying for this one now because I have been declined in the past?
Pink Sproglettes born 2008 and 2010
Mortgages (End 2017) - £180,235.03
(End 2021) - £131,215.25 DID IT!!!
(End 2022) - Target £116,213.81

Replies

  • zx81zx81 Forumite
    35K Posts
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    Your credit score is made up and meaningless. Lenders will look at your credit files - what do they show?

    What credit do you have? Poor repayment history? Large debts? Large existing limits? Insufficient income?

    Check all three files.
  • zx81 wrote: »
    Your credit score is made up and meaningless. Lenders will look at your credit files - what do they show?

    What credit do you have? Poor repayment history? Large debts? Large existing limits? Insufficient income?

    Check all three files.

    Fair enough. Thank you.

    At the moment, I have two credit cards. One is maxed out, but the money is in savings until the 0% is up. The other has about £75 on it out of a £6,000 limit.

    The only other debt are my mortgages.

    So I guess my question wasn't anything to do with credit score, but more to do with if you have rejected for a credit card with a certain company, will this work against you in the future to get on with that company?
    Pink Sproglettes born 2008 and 2010
    Mortgages (End 2017) - £180,235.03
    (End 2021) - £131,215.25 DID IT!!!
    (End 2022) - Target £116,213.81
  • I'm looking at the 0% cards.

    ...Should I not even bother trying for this one now because I have been declined in the past?
    ...So I guess my question wasn't anything to do with credit score, but more to do with if you have rejected for a credit card with a certain company, will this work against you in the future to get on with that company?
    If you have had too many 'hard' searches reported on your credit file, in a short space of time, then a lender could look at your application negatively. If you've waited a good six to nine months, then there shouldn't be a problem.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
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