Barclaycard Credit Limit Review

RBYHS

Well I hope I won’t get to that stage! It would ruin my chances of getting a mortgage in a few months! 

I’ll keep you updated. 

ThisnotThat

RBYHS said:

Well I hope I won’t get to that stage! It would ruin my chances of getting a mortgage in a few months! 

I’ll keep you updated. 

Might be wise to leave it be then.

In fact, it probably would have been wise to not apply for any credit at all if you're looking to apply for a mortgage.

jay1804

RBYHS said:

Well I hope I won’t get to that stage! It would ruin my chances of getting a mortgage in a few months! 

I’ll keep you updated. 

I think you will be alright as, i'm sure Barclaycard ask for your annual salary before tax and your take home pay after tax, as long as the take home pay was correct then they should be fine. Think about some people have irregular hours or different payment schedules depending on bonuses/overtime, so there take home pay doesn't always match up to the annual salary on a month to month basis.

RBYHS

I do small jobs on the side as well. So if they’d like my bank statements besides the payslips I’d be happy to provide those as well! Which would increase by 1k approximately my declared income 

ThisnotThat

RBYHS said:

I do small jobs on the side as well. So if they’d like my bank statements besides the payslips I’d be happy to provide those as well! Which would increase by 1k approximately my declared income 

If you're going to say you're self-employed on the side they'll want to see an SA302.

callum9999

RBYHS said:

I have received this again. Should I upload everything once more? 

Not yet, I got that after I'd already done it and just ignored it. My original submission processed fine.

I also got a letter in the post saying the credit card application had been rejected when it hadn't. I don't hold much faith in their systems!

RBYHS

Update - no confirmation email though.  But this is what the app shows now 😊

funkycredit

Careful some personal info is showing above in screen prints