Barclaycard Platinum Declined
Fumi
Posts: 3
Newbie
I wonder if someone might be able to help me. I currently have a current and savings account with NatWest. I also have a MasterCard, American Express Gold Rewards Card as well as the Standard American Express green Charge card. I live at home with my parents and my outgoing rent etc is fairly minimal. I also have an Experian rating of excellent - it always falls between 961 and 999. This month it actually was 999. However, I am aware that these numbers and the whole credit rating thing are not always to be trusted.
With all this in mind, I just got declined for the Barclays Platinum card. I only earn about £12,000 a year. I was under the impression that adding more cards would increase the score on my profile. Did I get declined because of my fairly low salary and the fact that I already have three credit lines running?
Any help appreciated.
1
Comments
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Are are you carrying any debt on the credit cards?1
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Most likely you don't meet the profile criteria for the customers that Barclays is looking to attract.1
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Nebulous2 said:Are are you carrying any debt on the credit cards?0
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I don't think the number of cards has much to do with it then. I suspect it is your income.
You don't need another one. Even if you have a goal such as a mortgage in mind, deposit and affordability will be more important than carrying more lines of credit.1 -
Nebulous2 said:I don't think the number of cards has much to do with it then. I suspect it is your income.
You don't need another one. Even if you have a goal such as a mortgage in mind, deposit and affordability will be more important than carrying more lines of credit.0
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