repeatedly failing to get a 0% purchase card

A_T

I always like to have a couple of these on the go. My current one's interest free period expires in January. About 5 months ago I tried applying for a new one but was refused. I ended up trying a few but was refused consistently - I think I might have made too many applications and this counted against me. My Clearscore is 547 Credit Karma 687 - both suggest cards that they say I am "100%" to be approved but I am relucant to try yet . My credit card debt is c. £1000 (I never pay any interest). My employment status has been unchanged for many years (full-time)

Any tips? Is it too soon after my failures in May to try again?

[Deleted User]

Have a look at your credit history, not the pretend scores. The history is what lenders go off.

Nothing wrong with making another application, but you should understand what the issues are before you do.

A_T

Deleted_User said:

Have a look at your credit history, not the pretend scores. The history is what lenders go off.

Nothing wrong with making another application, but you should understand what the issues are before you do.

where do I find my credit history?

[Deleted User]

On your three credit files, via MSE Credit Club, Credit Karma and Clearscore.

A_T

Deleted_User said:

On your three credit files, via MSE Credit Club, Credit Karma and Clearscore.

What should I be looking for? It's many years since I paid any interest on anything.

[Deleted User]

What accounts you have, payment history, debts, limit, ER, financial associates, inconsistencies in names/accounts/addresses...

Lenders assess you for risk, so you want low or ideally zero debts, manageable limits. not to show reliance on credit, be on the ER and not be associated with any ne'er do wells. Then are other factors that the lender will assess you on, such as income, occupation etc.