0% chance of getting any travel credit card?!
in Credit cards
10 replies 242 views
in Credit cards
I was using the MSE Eligibility Checker for the two top travel credit cards for overseas spending. My Experian score is above 900 currently, no adverse events logged. The checker says I have a 0% chance of getting _any_ travel credit card (as per the overview mail with all the other credit card offers), though, and now I'm very confused. Is this a glitch? Is there something Experian doesn't know about? I went over the questions again but don't see anything wrong? Are there any obvious lender bear traps I walked into?
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Credit reports would include things like a monthly phone contract, loans etc, it is possible though that if you have such a thing, it was only reported to say Equifax (check at Clear Score for free) or Trans Union (Credit Karma) hence Experian have no knowledge of you.
Try one of the sub prime cards like 118 or even Chase bank account (albeit that is debit card)
If these again show as low probabilities of getting the cards, I would sign up to Experian, Clear Score, and Credit Karma to see if there are any issues with your credit file. For example, are you on the electoral roll? Are there any errors on your file?
It's not a complete disaster if you can't get one of those credit cards right now. Chase Bank and Starling Bank are both excellent when it comes to travel debit cards. The only thing you don't get with debit cards is section 70 protection.
if you do apply, let us know in the relevant thread in the Banking forum.
In any case, I would apply for a standard credit card if it looks like you are eligible for, so you could start building up your credit history.
Check out Aqua too, they did something like no fee spending abroad.
Jan = £715 / £1,000 Feb = £1,275 Mar = £400 (fallen behind will make up in April)
Apr = £ May = £ Jun = £
Oct = £ Nov = £ Dec = £