0% Eligibility

MorningcoffeeIV

JAS137 said:

What annoys me is that they only take account of your income but not any savings.  

Don't be annoyed.

Savings can be blown at any time.

tomxlisa

Thanks for the replies, the reason for the post wasn’t cause I particularly wanted another card it was just to get some advice why the checkers are giving me such rubbish outcomes when I’ve already got credit cards being managed well and a whole bunch of green on time payment ticks etc, I didn’t think the defaults and CCJs would have a massive impact as they are years old now but I guess they are having more of an impact than I think, I’ve also got quite a few searches as well I’m guessing that isn’t helping too, I’ll just keep paying on time and hopefully one day I’ll have a great credit worthy record with good results on these checkers. 

Ganga

I had a look on the BT cards on this site as i have one at the moment and thought it might pay to have another one to shift the capital too ,i have no CCJ,s ,or defaults but the sites soft search said 0% chance of getting one of the cards ,i am sure that if i contacted the card company and they did a full search i would have got the card but as i am not desperate or bothered at the moment i just forgot about it.
I am sure i read something on this forum that said the MSE eligibility checker was not to be considered 100% true.

spinningsheep

Ganga said:

I had a look on the BT cards on this site as i have one at the moment and thought it might pay to have another one to shift the capital too ,i have no CCJ,s ,or defaults but the sites soft search said 0% chance of getting one of the cards ,i am sure that if i contacted the card company and they did a full search i would have got the card but as i am not desperate or bothered at the moment i just forgot about it.
I am sure i read something on this forum that said the MSE eligibility checker was not to be considered 100% true.

I was showing 0% on credit karma, clearscore and totally money, but MSE showed 80% for the HSBC Purchase plus card, was accepted with a £2.5k limit and 15 months 0% on purchases and BT, go figure!