Help Advice Needed

ra-2007

HI
I recently applied for a halifax credit card but i didnt know that my mum had been applying for it the very same time and her was given but with low amount and mine was declined.

I have checked my credit report and all is fine and credit scoring is good

I have my current account with nationwide but there credit card is onnly 3 months 0%. I was wanting a credit card for going on holiday in America

_Andy_

What advice are you wanting exactly?

ra-2007

unsure where to apply somewhere else or with my bank?

as my banks only 3 months 0%

Mozette

Nationwide gold is 10 months at 0%, besides, you'd be better spending on a NW on hols & BTing to a 0% card.

ra-2007

this is my first credit card

i dont know where it was declined because my mum had been applying the ext same time as me or not.

i have checked and gold card for nationwide is 10 months 0% for balance transfers and i am looking for 0% on purchasing

YorkshireBoy

ra-2007 wrote: »

this is my first credit card

You have two options; your bank, or one of the credit-builder cards (but you won't get 0%) such as those provided by Capital One, Vanquis, Aqua, or Barclaycard.

Fundamentally though, are you on the Electoral Roll?

ra-2007

yes i am and i have got my credit report and there is noting on it but a late payment from 2004 from my bank ( was in dispute about a charge while abroad) and says my credit rating is good

ra-2007

anyone there?
very confussed

YorkshireBoy

So,

• You only have the one credit account listed on your credit report...and that has a black mark attached to it.
• You have some address issues.
• You have very little 'history' from which a lender can decide whether to offer you credit or not.

The address on your credit report is that which comes from the Electoral Roll. When you apply for credit, the lender searches the files of Fraud Prevention Agencies, who DO store your address data...which may be different to that verified by your Electoral Roll entry?

The 'advice' is as I gave you before...either your own bank or a credit-builder card.

BTW, your mother's Halifax application has nothing to do with your own Halifax rejection.

YorkshireBoy

ra-2007 wrote: »

my just wondering if i should wait till my bank have updated my address ( i have sent a letter and everything to chase this up because i did ask for it not to be done) before i apply to my bank or capital one

I think that would be very wise.

Mozette

ra-2007 wrote: »

this is my first credit card

i dont know where it was declined because my mum had been applying the ext same time as me or not.

i have checked and gold card for nationwide is 10 months 0% for balance transfers and i am looking for 0% on purchasing

Sorry! But as Nationwide or the Post Office don't do foreign transaction fees, you'd be (if you can get them) better spending on one of those on hols, then BTing to a long 0% card.