Santander Credit card

superM

I have just done an eligibility check for Santander credit card through the app.  It came up pre approved after I have inputted all my details. 

Has anyone been declined after putting through the application?  

Thanks 

CliveOfIndia

I'd be happy to bet a large amount that plenty of people have had a full application declined after been given the green light on an eligibility checker.  The main reason being, it's only when you make a formal application that they have access to all your credit history data.

Having said that, using a lender's own eligibility checker tends to give slightly more accurate forecasts than a generic third-party checker.  But there are no guarantees.

There's nothing lost by making one application.  If you should get declined, then leave it a couple of months or so before making any further applications.  One hard search on your file is nothing to be concerned about, but several searches in quick succession starts to raise red flags for lenders.

Nasqueron

I had a pre-approved on a Virgin one that went to manual review and was rejected, only one I ever had

I'd echo Clive's point above - test on the card site and then apply via TopCashBack as they usually have a £17 bonus if you get the card