Always Declined Credit - Help!?

Apintplease

I agree to using the credit card

I also couldn't get credit on my own account because it was only bringing in my part time earnings and showing the shopping spends, no bills or anything

I could get credit on the joint account no problem

So I applied and received an Aqua card which I used for a year paying for the groceries, paying off in full each month - direct debit so no forgetting

A year later Im now on a much better credit card term with the better lenders with a pretty high credit limit seeing as I earn very little

TheStoozeFather

MalMonroe said:

UppaTown said:

Hi Everyone,
A really strange one and not really sure who to ask or where to start. Hopefully someone here can point me in the right direction.

I think there may be something wrong with my partner's online/financial profile. Financially, she is always denied credit or only ever offered very little amounts. The highest amount of credit via credit card she has been offered is £400 which is very low compared to what I get offered which is odd given that she has a better financial record than me. Weirdly she also gets declined for things such as Klarna which should be very easy to pass a credit check for (if they even do any). Anything governmental throws up issues as well; in June when trying to get a covid test from the government she got declined for one however I got accepted even though we entered the exact same details. 

I am not sure if everything is linked but I am concerned that if not sorted soon it is going to throw a huge spanner in the works when it comes to mortgages/loans in the future. For reference my partner has a good credit score with Experian and has been out of any overdraft for a few years now since uni.

Any help really appreciated!

I have 3 questions:

1.  Am I the only one on this forum who thinks that it is extremely inappropriate and disloyal for you to be discussing your partner's personal and private finances on a public forum?

2.  Is your partner aware that you are discussing her finances on a public forum?

3.  If she is aware, does she mind?

You ask for help and say you don't know where to start but it isn't your problem. Have you even had a discussion with your partner about her finances? That's the place to start. It's not for us to be discussing your partner's financial status on here.

It's a very sad partnership where you can't sit down and discuss things that are worrying you with each other. Because that's what you should be doing, discussing things with her, privately, not with strangers in public.

I'm afraid that if I were your partner, you would now be my ex-partner.

If you were my partner, you would now be my ex-partner.