Rejected from amazon and tesco credit cards applications. And now?

onwards&upwards

thinfatwhiteduke said:

Deleted_User said:

Check your credit files for any issues and fix anything that needs fixing 

Then apply for a sub prime card in a few months.  You can build from there. You seem to be aiming a little high at the moment.

I literally have no idea what checking the credit files means, and what kind of mistakes I could fix...could you please give a little explanation? Thanks

Read this!

https://www.moneysavingexpert.com/loans/credit-rating-credit-score/

macman

Are you on the electoral roll?
I'm baffled as to why you started with Amazon/Tesco and not your own bank: they will know your credit history as well as anyone will. Your issue may well be a lack of credit history. Do you have a mortgage, mobile contract, utility bill contracts (gas, electricty, water, landline)?
A low salary will simply mean that your credit limit will be set low.

ict_guy

Personally, I wouldn’t wait. I doubt there will be any footprint on your credit file of the application (search), at least for a few days anyhow. It is not a real-time system.

richardadc

ict_guy said:

Personally, I wouldn’t wait. I doubt there will be any footprint on your credit file of the application (search), at least for a few days anyhow. It is not a real-time system.

It is a real-time system for the lenders.  Our view of it can be delayed but saying that I've had a notification from either Credit Karma or Clearscore as soon as a hard search was performed.

The OP is best to wait otherwise a lot of searches in a short space of time will cause at least some short term damage.

CreditCardChris

thinfatwhiteduke said:

Hi everyone.
In order to build my credit history, I tried to obtain a credit card, and I had a look at this link suggested by a user from this forum.
https://www.moneysavingexpert.com/credit-cards/bad-credit-credit-cards/?_ga=2.84814233.1000296080.1598504265-25808794.1598504265
I applied to the tesco one (according to the calculator I had 60% chances of approval). Rejected. And soon after the Amazon one. Rejected for both. Amazon says that they will not tell anyone, but apparently tesco will. I should have waited before making the second application.
I suppose that I don't qualify for any credit card at all then. Or at least I cannot apply for one for the next 6 months.
I have no debts, never had, always paid on time, just not a very high annual salary.
Any advice?

Get the Capital one credit builder card https://www.capitalone.co.uk/creditcards/credit-builder-credit-cards.jsf you'll almost certainly get it if you don't have any recent CCJs or anything. They'll give you a £200 limit and just buy a coffee each month on it or whatever because you want to keep your utilisation really low. Then after 6 months apply for another credit builder card, like vanquis or something. 

upsidedownpancake

thinfatwhiteduke said:

Hi everyone.
In order to build my credit history, I tried to obtain a credit card, and I had a look at this link suggested by a user from this forum.
https://www.moneysavingexpert.com/credit-cards/bad-credit-credit-cards/?_ga=2.84814233.1000296080.1598504265-25808794.1598504265
I applied to the tesco one (according to the calculator I had 60% chances of approval). Rejected. And soon after the Amazon one. Rejected for both. Amazon says that they will not tell anyone, but apparently tesco will. I should have waited before making the second application.
I suppose that I don't qualify for any credit card at all then. Or at least I cannot apply for one for the next 6 months.
I have no debts, never had, always paid on time, just not a very high annual salary.
Any advice?

40% chance of rejection, one hard credit check and rejected again, slim to no credit file, low annual income, wonders why they're rejected.

Has the world gone mad?

DCFC79

As mentioned give your own bank a try.

Taylorette

macman said:

Are you on the electoral roll?
I'm baffled as to why you started with Amazon/Tesco and not your own bank: they will know your credit history as well as anyone will. Your issue may well be a lack of credit history. Do you have a mortgage, mobile contract, utility bill contracts (gas, electricty, water, landline)?
A low salary will simply mean that your credit limit will be set low.

Likely because both Tesco and Amazon offer cards they say are "for people with no credit"? I stumbled across this thread after looking at those exact cards.