Both turned down for a credit card

DCFC79

mmmsnow wrote: »

Will other companies see that I've been rejected for a credit card? I was hoping to apply for an RBS Rewards card since obviously I'm not getting one from my own bank

No, other banks ect only see a search was done and nothing more.

[Deleted User]

HSBC are notoriously picky about customers.

For example, if you use an eligibility checker, what are you chances for other mainstream cards?

mmmsnow

!!! wrote: »

HSBC are notoriously picky about customers.

For example, if you use an eligibility checker, what are you chances for other mainstream cards?

I already have my main current account with them. I was hoping to move all my products to one place.



I have a 99% chance of being approved for a CC or loan according to the eligibility checker on Credit Club.

[Deleted User]

HSBC just don’t fancy you as a credit card customer then.

Move on to another lender If you need a card and have a high acceptance rate elsewhere.

Willing2Learn

Hi mmmsnow,

Why don't you request a manual review of your application? When I had an application for credit declined last year, I rang up the creditor and asked for a review. Literally a couple of minutes later my application was accepted and I became a customer. (This was not for HSBC though).

mmmsnow

Willing2Learn wrote: »

Hi mmmsnow,

Why don't you request a manual review of your application? When I had an application for credit declined last year, I rang up the creditor and asked for a review. Literally a couple of minutes later my application was accepted and I became a customer. (This was not for HSBC though).

I didn't realise that was an option! I'll give them a call tomorrow.



If they still say no, I'll just move my current account. I think RBS are doing a good switching offer and I know they have a reward CC.

[Deleted User]

It’s pointless switching your account just to chase a credit card deal.

What if you don’t get accepted for that credit card with RBS?

thriftylass

!!! wrote: »

It’s pointless switching your account just to chase a credit card deal.

What if you don’t get accepted for that credit card with RBS?

I think she'd like everything in one place, easier online banking etc.

Rajix

If you have little to no credit debt and you settle your accounts in time then how is the bank going to make money? Credit is a business model after all. Creditors want so see active accounts and assess your spending habits. It may simply be something as silly as that. Creditors are funny...

rajeshk4u

Just write to them to review the situation. They won't give you a reason, but they may decide to accept you.