M&S credit card application

superM

Hi, 

I have done M&S credit card eligible to check and it showed up pre-approved. 

I decided to go ahead with full application. This was on Saturday, at the end of the application. It said that they will come back to me within five working days. 

Do the credit check the application straight away even if it’s on weekend bank holiday period. I’ve checked my Experian and Equifax credit report which only been updated today and there is no search for M&S or HSBC. 

Thanks 

born_again

Depends if it's a auto or manual check.
Given the mention of 5 days. It sounds like a manual one, as they can not get the details via a auto check.

superM

The credit check was carried out yesterday Showed up on my Experian and Trans union credit report. I have rang them and they said the application has been approved with a 6K credit limit. I received an email this morning to sign the documents electronically. 

Can I ask them to increase the credit limit? Will they review it when the system has automatically generated a 6k limit?

has anyone tried and been successful. 

thanks 

Nasqueron

superM said:

The credit check was carried out yesterday Showed up on my Experian and Trans union credit report. I have rang them and they said the application has been approved with a 6K credit limit. I received an email this morning to sign the documents electronically. 

Can I ask them to increase the credit limit? Will they review it when the system has automatically generated a 6k limit?

has anyone tried and been successful. 

thanks 

You can ask and they can say no, 6k limit is what their system says you are trusted with, typically increase requests need a few months of showing responsible use