Not sure why I'm rejected for credit

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Newbie
I've just tried applying for a no-interest (spread the cost) finance on a new high-end laptop through my bank. I was rejected and it advised to check my credit score. This is the second time I have been rejected in 12 months.
I have checked Experian which is what this bank used and my credit rating was 999 (excellent). I also checked ClearScore and it was 860 and stable.
I have an excellent salary and little outgoings as I live with my parents. I have one credit card at £2k (at a £5k limit) and it's paid through direct debit every month. I have store credit but the balance is 0 (all paid off on time). I'm not sure why I'm being rejected. Can anyone help?
Ironically I had better chance had getting credit when I was self-employed and earning far less. I've been in my current job for almost 2 years now though.
I have checked Experian which is what this bank used and my credit rating was 999 (excellent). I also checked ClearScore and it was 860 and stable.
I have an excellent salary and little outgoings as I live with my parents. I have one credit card at £2k (at a £5k limit) and it's paid through direct debit every month. I have store credit but the balance is 0 (all paid off on time). I'm not sure why I'm being rejected. Can anyone help?
Ironically I had better chance had getting credit when I was self-employed and earning far less. I've been in my current job for almost 2 years now though.
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Replies
Check all three credit reports to see what appears.
Granting credit is based on risk factors - and looking at the details you've provided, being someone that lives with parents and a relatively shallow credit file (as in you don't have a large number of active accounts) - you may be perceived as being a higher risk. (Even though in your own mind you're not).
Do you have a mobile phone contract in your name?
I know Barclays may offer such a thing through Barclays Partner Finance but that's not through your bank, they're a separate business.
Do you have a 2k balance on a credit card that you're paying something off each month or the balance every month?
If it's the former it's hardly surprising,
You have credit lines, already owe 2k and wish to put another 4-5k on credit.
You can't afford credit.
Try building your own gaming desktop, they're cheaper.
Another thing - you say you have an excellent salary but your credit card is at £2k. If you have an excellent salary and you want a loan, it would be a good idea to clear that card as soon as possible. Once it's clear then use it regularly and pay it off, in full, every month. I just set my direct debit to clear the balance. Lenders also don't like it if you are using more than a third of your available credit. (And there will usually be a reminder on your credit reports, something like 'you are using more than one third of your available credit'. It's frowned upon. Especially by Credit Karma, in my experience, for some reason.)
There's that reminder on the front page here, too - "Remember MSE's stance on loans: 'borrow as little as possible, repay as quickly as possible'."
You should thank your bank because they've saved you from making a big mistake. If you can learn from the advice you receive here, then we who have known big debt will be very pleased. Most of us learned our lessons the hard way, after the horse had bolted. You have the opportunity to learn from our mistakes.
I'd also check all three of my credit reports, as suggested by morningcoffeeIV.