Getting a first credit card?

bwgames

OK, I foolishly screwed my credit rating up, by applying for quite a few cards in the last few weeks (wanted one for when I'm at work).
First tried Egg, got rejected obviously.
Natwest (my bank), rejected me because "I forgot to put a annual income on the application form", pretty sure I did, but, anyway, rang them up, gave annual income, and they're re-submitting it for processing.

I also applied for Barclaycard Initial in the interim, and got rejected because I wasn't in employment, fair enough, but I'm a student, should I have applied for the Student card instead, would it be worth giving them a ring?

May have to be Capital One to start off with....

Reaper

If you want it for when you start work then wait until you do. It will make it much easier to get a card when you are employed.

You stand a good chance of getting the card through your bank as they are less dependent on your credit history. If not then wait until you start working as otherwise you will damage your credit rating if you keep applying.

grumbler

I'd stop applying and wait for Natwest decision.

bwgames wrote:

Natwest (my bank), rejected me because "I forgot to put a annual income on the application form", pretty sure I did, but, anyway, rang them up, gave annual income, and they're re-submitting it for processing.

If regicted again ask about student CC - they also offer such a card.

I also applied for Barclaycard Initial in the interim, and got rejected because I wasn't in employment, fair enough, but I'm a student, should I have applied for the Student card instead, would it be worth giving them a ring?

Yes, I'd call them or write a letter.

May have to be Capital One to start off with

Leave it as a last resort...

mummytofour

I would wait and see what natwest say, chances are they will come back to you, if they dont call them.

If you are a student then yesone would assume you would be better off appliyng for a student cc, maybe contact barclays (they do a student cc) and tell them this,as they have you details all ready they maybe able to just re-asses the application as a student.
I would suggest that you dont keep trying for a cc and each check knocks points off your credit score and in the end your record will look pretty bad.

bwgames

It was a student CC I was applying for from NatWest, so I'll see what they say.
If that fails, ring Barclaycard.. Then, and only then, Capital One

quinonostante

bwgames wrote:

It was a student CC I was applying for from NatWest, so I'll see what they say.
If that fails, ring Barclaycard.. Then, and only then, Capital One

Capital One.....! I applied and they told me that they'd love to offer me a card. The form arrived and I duly signed it and about three weeks later I received another letter telling me that in order to get my card with a laughable £200 credit limit, I had to send them a security deposit of £49, which they would hang onto for an unspecified period. I was astounded. Barclaycard initial visa was no problem....!!

bwgames

natwest rejected me again
Barclaycard said that if I wanted to apply for a student card, It'd have to be a whole new application + credit check

Capital One it is, for a bit anyway, providing they don't want an insane deposit. If they do, VISA debit current accn.. If I can get one

I just got my experian credit score:

Your score is: 752 (Fair) on a scale of 0-1000

In comparison, your National Credit Score is higher than that of 30% of UK consumers applying for credit.

"This score suggests you are a moderate risk borrower - some applicants with this score may have repayment problems if they take out more credit "

I don't have any credit

Not THAT bad, but not that good either....