Help needed - Pre-approved (100%) rates not given

Ellielaver

I applied for a Barclaycard last night through the credit club where I was 100% pre-approved. I clicked through and Barclaycard confirmed the offer.

Does anyone know why now the application is done, they've offered less months at 0%. Barclaycard don't seem interested in sorting this - who can I contact? Very disgruntled as it's a rubbish card now...

[Deleted User]

There's no one to contact. Final checks often throw up something that changes the offer.

If it's insufficient, apply elsewhere. I would do it sooner rather than later, as you may be able to get in before the first search appears.

dr_adidas01

I think you will see somewhere it may say, You could be offered a different rate and 0% offer than the one advertised. Least Ive seen that when applying for a credit card.


The base what offer you get on which criteria you fit into that suits them.

foxy-stoat

You may be offered a different credit limit, representative APR, purchase rate or promotional Balance Transfer period to any shown here as it depends on your individual circumstances. Subject to status.

You may of missed that statement when you applied for the card.

18cc

I applied on the Halifax website for a 24 month 0% card a while back - when it came it was 8 months. I called them up and cancelled it, and re-applied on the phone at the same time and they gave me a 24 month one! Such a lot of effort...