97% on Experian, but refused credit card switch
in Credit file & ratings
5 replies 192 views
Hi, Experian rates me as excellent, I have been paying off a credit card debt for a few years by switching to 0% cards, the time has come for a change but I tried 3 cards (Barclaycard twice, because when I tried my approval rate with them it had a 97% chance of success) but was turned down all times. I had changed bank account about 3/4 months prior, after being with Halifax forever, changed for the cash back. I have no idea why and what to do, I have now gone into my interest period and it's doubled the amount I pay, any advice please? Tyia.
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Given you now have two hard searches on your file (why did you apply to the same lender twice?!) you might want to knock it on the head for at least 6 months. Applying and applying isn't likely to help, and will most likely make things worse.
Go to the DFW board for help on reducing your expenditure so you can pay the card down faster.