turned down for NatWest credit card

stillEuropean

Having switched and opened a new account with NatWest, I applied for a credit card but was turned down. I'm surprised as my credit score is 991/999, which is high and I have always paid off my credit cards in full when due. I also hold a card from my previous account with Halifax. It seems that my monthly income is too low for NatWest (I'm self-employed) although I have no expenses and no debts (my husband is a high income earner.) Is there any way I can appeal this or do I just have to accept it?

notveryeducated

You can appeal but banks usually don't change their minds. 

I wouldn't take rejection too harshly, maybe you don't tick all the boxes that NatWest want in a credit card customer. Try another card provider like MBNA or Barclaycard they do great cards, they offer you to check beforehand without doing a full credit search to see if you will be accepted. 

[Deleted User]

Make sure you check your three credit files.  Your 991 credit score (or any other score you may be given) isn't a factor in lending decisions, so make sure you check all the data instead.

Thrugelmir

How many other credit cards do you already hold? 

mwarby

Self employed are always a higher risk group, given we’re in a downturn I’d think it’ll be difficult to get a credit card as a self employed person right now

soulsaver

Nat West are the worst bank I've ever dealt with.
 You may not set much store in Trust Pilot but 83% 'bad' on c. 2000 reviews indicates something pretty serious with their processes & attitude... https://uk.trustpilot.com/review/www.natwest.com

Thrugelmir

soulsaver said:

Nat West are the worst bank I've ever dealt with.
 You may not set much store in Trust Pilot but 83% 'bad' on c. 2000 reviews indicates something pretty serious with their processes & attitude... https://uk.trustpilot.com/review/www.natwest.com

Which has nothing to do with the OP's own circumstances. 

soulsaver

Thrugelmir said:

soulsaver said:

Nat West are the worst bank I've ever dealt with.
 You may not set much store in Trust Pilot but 83% 'bad' on c. 2000 reviews indicates something pretty serious with their processes & attitude... https://uk.trustpilot.com/review/www.natwest.com

Which has nothing to do with the OP's own circumstances. 

Useful info.