We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 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!
Tesco & Santander CCs
Emily_Joy
Posts: 1,637 Forumite
in Credit cards
I have been repeatedly rejected for Tesco Credit Cards and Santander Credit Cards, without any light or any reason given, as usual. It doesn't affect me whatsoever as I have over 8 credit cards with mainstream providers for some of which I applied on the same day I was rejected by those two.
I am no curious however why Tesco and Santander would reject my application? Tesco said that they could only find negative information on my Experian report. So I requested full statutory report from Experian. Once the passkey was delivered by Snail Mail, I got 55 pages long report that doesn't appear to have any negative information, and looks accurate. Any guesses?
I am just looking to satisfy my curiosity.
0
Comments
-
BT would be useful at some point and those providers sometimes have good BT offers. I can't care less about the amount of available credit.Hoenir said:
Why do need two more and a further increase in the amount of available credit?Emily_Joy said:I have over 8 credit cards with mainstream providers
0 -
Maybe it's the number of cards and applications for credit you are making?
Make £2026 in 2026
Prolific £231.51, Octopoints £4.60, Tesco Clubcard challenges £38.80, Airtime £10 TCB £225.19, Everup £77.04, Roadkill £1.77, Zopa CB £30, Misc £10.11,
Total £629.02 31%Make £2025 in 2025 Total £2241.23/£2025 110.7%
Prolific £1062.50, Octopoints £6.64, TCB £492.05, Tesco Clubcard challenges £89.90, Misc Sales £321, Airtime £70, Shopmium £53.06, Everup £106.08, Zopa CB £30, Misc survey £10
Make £2024 in 2024 Total £1410 70%Make £2023 in 2023 Total: £2606.33 128.8%0 -
The lenders will though. If you are frequently BTing . Then that's a red flag as well.Emily_Joy said:
BT would be useful at some point and those providers sometimes have good BT offers. I can't care less about the amount of available credit.Hoenir said:
Why do need two more and a further increase in the amount of available credit?Emily_Joy said:I have over 8 credit cards with mainstream providers0 -
But other lenders don't mind. The credit utilisation is quite low and the credit available to me is still somewhat less than my ISA savings. I understand however the lender's won't see that.Hoenir said:
The lenders will though. If you are frequently BTing . Then that's a red flag as well.Emily_Joy said:
BT would be useful at some point and those providers sometimes have good BT offers. I can't care less about the amount of available credit.Hoenir said:
Why do need two more and a further increase in the amount of available credit?Emily_Joy said:I have over 8 credit cards with mainstream providers
0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 355.5K Banking & Borrowing
- 254.8K Reduce Debt & Boost Income
- 456.1K Spending & Discounts
- 248.1K Work, Benefits & Business
- 605.6K Mortgages, Homes & Bills
- 179K Life & Family
- 263.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards