We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

0% Eligibility

Options
2»

Comments

  • MorningcoffeeIV
    MorningcoffeeIV Posts: 1,945 Forumite
    1,000 Posts First Anniversary Name Dropper
    edited 18 November 2023 at 11:09PM
    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.
  • 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
    Ganga Posts: 4,253 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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.
  • 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! 

    CC limits £26000


    Long term CC debt £0

    Total low rate loan debt £3000

    Almost debt free feeling, priceless.

    Ex money nightmare, learnt from my mistakes and never going back there again, in control of my finances for the first time in my adult life and it feels amazing. 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.9K Work, Benefits & Business
  • 598.7K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.