First Time Applying for Credit Card - Help?!

louishill82746

I like Vanquis more. I used it in my membership.

born_again

maxximus75 wrote: »

If you go with your current bank, although you don't have any history showing with a credit reference agency, as they already have a relationship with you and can see what goes in and out of your current account, your habbits etc. This is called 'internal scoring'. It's worth a shot.


Good luck!

Internal scoring is how any provider will look at a application. Its down to their risk appetite and push for new accounts.
The only reason to check a credit ref is to see if there is anything bad. But things like missed payments show up in banks systems anyway.