Credit file versus new store card 15 January 2020 at 9:02PM edited 30 November -1 at 12:00AM in Credit File & Ratings 2 replies 308 views

Mamfa11

Hi, I hope someone can help. My daughter was accepted for a new next store card before Christmas, we agreed to pay it off each month so it would better her credit rating. Next gladly gave her a credit limit of £150 and she bought clothes for her children then paid the full balance today before the due date I might add then she receives an email an hour later stating the card was suspended as they did another credit check and it was declined!!! Can they do this an why did they allow her to have it in first place if her rating was not good. Nothing new has been added to her credit file as we checked. Something isn't adding up here so any advice greatly appreciated.

zx81

Yes, they can do that. It happens from time to time.

It's not an issue of credit file versus store card though. They work in conjunction.

Ben8282

They can do it but what has happened comes across as somewhat strange given that the account was opened about a month ago and a credit check carried out at that time. It is not normal practice for a lender to carry out a second credit check within a few weeks of the account being opened and the wording about 'they did another credit check and it was declined' is also abnormal..
Could there be any additional factors here that you have failed to mention? False information given in the application? Account misconduct of some kind?