Refused credit by Apple/Barclays

prowla

David_Aston wrote: »

Well, I am pleased for you, that your Apple employment isn't at risk John.
For the actual op. I don't know why you were turned down. Perhaps try to purchase a Samsung or one of the highly rated Chinese brand phones, on their credit packages and see what happens.

Thanks for noticing what the question was!


TBH, I half knew that there would be some folks who would jump on their soap boxes and start lecturing about Apple, credit, consumerism, and suchlike!


I've picked up a couple of pointers and will check them out.


I don't really want another brand phone, so I'll probably wait a few months and see if there's any change.

prowla

John_G_Jones wrote: »

You aren’t really challenging them, though, you are just saying that you think that they are wrong, and insulting them.

You also don’t really get the essence of advice, do you, which is pretty much what this forum is about. That’s the whole point of advice, people using their experience to suggest things that they hope or believe will lead someone to make better choices.

Well, I asked for some advice about a credit refusal and a load of people started projecting their issues instead of helping.


My choice was the right one (for me), but I still don't understand why the issue happened.

System

John_G_Jones wrote: »

You aren’t really challenging them, though, you are just saying that you think that they are wrong, and insulting them.

You also don’t really get the essence of advice, do you, which is pretty much what this forum is about. That’s the whole point of advice, people using their experience to suggest things that they hope or believe will lead someone to make better choices.

Sorry but I’m not part of the “offended generation” as long as I don’t threaten anyone, bully or swear then I will call it as I see it.

SnowTiger

Exodi wrote: »

What happened to the good ol' days where if people wanted something, they'd save for it?

I don't think they existed.

People were more coy about talking about credit back then.

I recall my grandfather using the term 'never-never', meaning HP.

Jordan19

Can anyone help me, i started a job about 1 and a half months and i didnt have my nation insurance untill last week, my job hasnt asked for it yet but on my pay slip it is taking 30£ tax and 24£ for ni, does anyone know if i get any of the money that was taken do i get back thank yous?

prowla

Incidentally, I left it a couple of months, checked my credit score again and tried again, only to be rejected again.


I went off and got the phone elsewhere instead.


So, Apple Store lost the sale, though I did go back there with my new boxed phone for a cover and a screen protector.

[Deleted User]

prowla wrote: »

Incidentally, I left it a couple of months, checked my credit score again and tried again, only to be rejected again.


I went off and got the phone elsewhere instead.


So, Apple Store lost the sale, though I did go back there with my new boxed phone for a cover and a screen protector.

Presumably because you checked your “score” again rather than the actual data in your files.

Either that or you could have spent sub £150 on an equally as good phone

Nasqueron

prowla wrote: »

Incidentally, I left it a couple of months, checked my credit score again and tried again, only to be rejected again.


I went off and got the phone elsewhere instead.


So, Apple Store lost the sale, though I did go back there with my new boxed phone for a cover and a screen protector.

Your mistake was in thinking the made up novelty score means anything or even that lenders make a decision based on the score, rather than the data on your file

phillw

prowla wrote: »

I've just logged in for the first time and it tells me that my Experian score is 999/999, my affordability is V.Good, I have no CCJs, no missed payments, etc.

I don't have a 999/999 score because "The average length of your financial relationships is less than six years."

I wonder if Apple rejected you because you don't have enough credit history. Have you managed to get credit with anyone else? The other explanation could be a CIFAS marker.

Gaz83

!!! wrote: »

Presumably because you checked your “score” again rather than the actual data in your files.

Either that or you could have spent sub £150 on an equally as good phone

You can't get as good a phone as the latest iPhone for under £150.