If you're eligible on the credit checker...

vicker

...are you still guaranteed to be successful if you apply for the same card through top cashback? 

TIA

born_again

Who knows. 
As eligibility checker, especially 3rd party ones are at best a guide, not a fact.

Don't forget to delete your cookies as well.

cymruchris

Where did you see the check result? 

Most eligibility checkers have a caveat that the final decision is subject to there being no nasties on a hard search that they can’t see on a soft search. So the chance is equal whether you apply via topcashback Or web - as in equally possible
to still get a decline, although it is more likely the card will be granted. 

fatbelly

There's no guarantee

BDeluxe

No, I just tried and and was refused even when the MSE checker said 90% chance.

I failed affordability even though transferring the balance would be cheaper for me, it's the old catch 22 when they don't consider that you would be paying off your existing commitment. This is the very real debt trap that will ensure you're stuck paying stupid amounts of interest and never making any headway,

I might as well give up at this point and default because I had the same argument when I tried to remortgage and was refused, I have a small 45k mortgage on a £350k home with 25k of CC debt (on high interest rates which is killing me). Is a 70k mortgage unaffordable with a household income of 50k? I know why but they are rigid in their way of thinking.

th081

The MSE checker is not great, you are better off using the cards own checker.

Which cards do you have your debt on at the moment.

Question to BDeluxe

daivid

BDeluxe said:

I might as well give up at this point and default because I had the same argument when I tried to remortgage and was refused, I have a small 45k mortgage on a £350k home with 25k of CC debt (on high interest rates which is killing me). Is a 70k mortgage unaffordable with a household income of 50k? I know why but they are rigid in their way of thinking.

If you haven’t already done so, post your situation on the debt free wannabe sub forum. There are regulars there who can advise. I know little about dealing with debts but would want to keep the CC debt off the mortgage if at all possible as it would then become secured on your home. As I said though I know little and people on the DFW sub forum will be able to give much clearer advice.