Credit Card cancelled before i got it.

born_again

!!! wrote: »

ignore any reviews on TrustPilot and the like - people post negatives as a way of ranting and getting things out of their systems.

Prime example.

First Direct who win awards year after year. Yet only have 1*:rotfl:

Ergates

BoGoF wrote: »

How would their alleged poor customer service affect your credit score.....and evrn if it did why would it matter?

Ridiculous logic.....I have had numerous cards over many years and not once have I needed to speak to customer services.

Er.... no. Fairly obviously: OP closed the account because of their alleged poor customer service and was concerned that closing the account immediately after opening it would negatively affect their credit score.

molerat

The only possible negative here will likely be a hard search on your file. If you cancelled the card within the statutory cooling off period it should never appear on your file.

jcontest

molerat wrote: »

The only possible negative here will likely be a hard search on your file. If you cancelled the card within the statutory cooling off period it should never appear on your file.

The hard search should still show up even if it never appears as a open account.


Would other providers view it as "bad" that a application "hard search" was made but there is not account open?

[Deleted User]

jcontest wrote: »

The hard search should still show up even if it never appears as a open account.


Would other providers view it as "bad" that a application "hard search" was made but there is not account open?

No, they won’t.

phillw

!!! wrote: »

No, they won’t.

They'll probably assume the account is open for the next month or so though.