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M&S Credit Card. Something went wrong. Apply again!?
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Posts: 5,108 Forumite
in Credit cards
Now what? has anyone experienced this? other than phoning them do i know if they may still process, whether there actually has been a search and indeed will there be another?
how quickly would a new search appear on a CRA.
if i were to apply again and there had been a search already, would the fact that it was an M&S search go against me or would M&S know it was their own search?
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Comments
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I would contact them and get them to process it manually, no point in doing another hard search for no reason
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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People generally count multiple searches by the same lender as 1 if they are in a short period of time... can be just be that a decision has gone to manual review so a second query is done. M&S can see who has done the prior searches so will see that its themselves.0
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