Credit card rejection despite 80% likelihood of acceptance

Asghar

Silex1815 said:

The only negative on there is that I am not on the electoral roll. I have just moved house and gotten a new job (<1 month).

That is a big negative.

dr_adidas01

Also Barclaycard don't use Experian to credit search you, they use Equifax so you may need to look at what data equifax have and see if its correct.

NaughtiusMaximus

Silex1815 said:

I have just had a more detailed look at the credit report. The only negative on there is that I am not on the electoral roll. I have just moved house and gotten a new job (<1 month).

All 3 of these will count against you, especially not being on the voters roll. Have you changed jobs and addresses many times in the past 3 years prior as this will also have a negative affect?

I advise getting on the voters roll NOW then waiting 3 months before applying again, try one of the subprime cards this time, based on my experiences I would say Vanquis are a good bet.

When I was about 6 months away from exiting my DMP in late 2016 I was looking for card to build up my credit rating in preparation for applying for a mortgage a year down the line (a bit naughty as you're not supposed to apply for credit when on a DMP but as I knew it would be paid off before my next Stepchange annual review I went for it anyway) , Vanquis accepted my application.

theoretica

When I applied for my first credit card I had a similar experience being turned down - so I asked my own bank who had my account history and they immediately gave me one.

sleepyjones

I've had 100% on the MSE Eligibility Checker and sill got refused, I'd take those numbers with a pinch of salt.