Accepted by LLOYDS, HALIFAX and BOS CC then Rejected

2e0arr

xinc99 have you considered Credit Card Utilisation techniques please ?

xlnc99

Credit Utilisation although very important - Is not a huge factor. 
The reason for this is many people offer 0% interest on balance transfers for 1 year 18 months etc and alot of people take advantage of this leaving their balance in without paying interest. They would have high utualisation but on the other had have a good credit file to get these offers in the first place.

SnowTiger

xlnc99 said:

The thing about having too many serches on your credit file is a myth. This has been discussed plenty on here. To get the best deals, bank switches, bonus offers etc it means applying constantly for new products. Plenty on people on here apply for new application all the time and they have huge limits. Does it effect your file? Yes, but not enough to put lenders off if you have a good credit file.

So that is a non issue - the main issue is that i was misled. Accepted, then rejected.

Great news!



Why don't you spend Easter Monday merrily applying for a few more credit cards?

Many are listed here: https://www.finder.com/uk/credit-cards/a-to-z-list.

You may as well work your way through the whole list.  Don't forget the old adage: don't ask; don't get.

And if you get rejected, don't forgot another adage: try, try again.

SnowTiger

xlnc99 said:

Then after all that, they do a hard check and say NO.

Does it matter?

A wise person earlier in this thread wrote: 'The thing about having too many serches on your credit file is a myth.'

cymruchris

SnowTiger said:

Why don't you spend Easter Monday merrily applying for a few more credit cards?

Many are listed here: https://www.finder.com/uk/credit-cards/a-to-z-list.

You may as well work your way through the whole list.  Don't forget the old adage: don't ask; don't get.

And if you get rejected, don't forgot another adage: try, try again.

That's not a bad idea - I mean if you try enough of them - one is bound to say yes - surely?

The OP keeps claiming that he's not bothered about being declined because he applied for 3 cards at the same time - yet keeps going on about how he was misled and misinformed and misguided and misdirected - but I think he's misheard all the advice given to him, misplaced his brain, and has the misfortune to keep coming back protesting. Maybe we've all misunderstood, and have misquoted him; it's also possible that he thinks he's been mistreated, I mean there must be some mistake surely? But I think until he came to this thread, he was misadvised by his friend who applied for three and got them. But in summary I do believe that he misapprehends the severity of the situation he landed himself in by applying for three cards at the same time. After all, it appears he's not Miss World.  Have I misarticulated anything in my summary? (I do think that the OP seems to misbelieve all that people have said to him, and has miscalculated his choices, and now believes it's a miscarriage of justice, but he seems to misconceive the impact of three hard searches at the same time. Do let me know if I've misconstrued anything.)

D3xt3r5L4b

Too many holes in this one. 

Wants a 0% BT card “just because”. 

Strange...

John_

xlnc99 said:

My credit file is fine apart from old CCJ and defaults.

That’s like saying your weight is fine except for the morbid obesity. Your credit file is poor, which will make it lore likely that you will be declined.

I’d recommend using the two cards that you got recently for a while, pay them off in full each month, and to stop applying for more credit, that’s not what you need at this point.

John_

xlnc99 said:

JosephK said:

But you're giving the institutions the impression you want to run up a big credit card debt.

i have two measly credit cards. most people have at least 5 or 6 min

Most people haven’t defaulted on debts, let alone had a court judgement against them. You can’t compare yourself to most people, you are swimming in the high risk end of the customer pool at the moment.

m-holland

This was a fun thread

superbigal

Surely only one of those 3 applied cards would have been needed for the balance transfer.
I don't think the credit limit you can get on the 2 cards with high interest is very high ?
Looks like Aqua £1200 and Amazon maybe £1000 ?