credit card help

voodoovince

hi im newe to this site

i have no past debt or infact any real credit history.


my bank will not upgrade my account so only have a cash card for use in bank machines (even though i have about 170 a week going into the account and it is never empty.

i am on the electoral roll

i have been refused a credit card too

im really annoyed all i want is a card i can use to shop online or pay in shops restaurants ect


anyway my questons are

is there anyway to get my bank account upgraded

or
i was thinking i may be able to get a prepay credit card but im not sure whether they are any good


any help would be great im really at the point of giving up

thanks to anyone who has advice

weegie.geek

You could always threaten to move banks unless they give you a debit card.

Or look at getting a credit card elsewhere. Capital One are pretty good in your situation from what I read. You can then use it to build up your credit rating by paying on time, but MAKE SURE you pay on time. It can be a slippery slope.

There are pre-pay cards as well. The Talk Sport prepay Maestro is pretty much the best deal at the mo. £10 to buy the card, then 70p to top it up at the post office.

It won't improve your credit rating though, so if you can get a credit card, and you trust yourself with it, you'll be able to build your rating.

voodoovince

that was the card i applied for

i did it online and the response i got was there are some things we need to check, we will contact you in the next two days


but they never got back in touch so i assumed i had been rejected

weegie.geek

Hearing nothing back is strange. You usually get a reply saying either way.

If you applied within the last few weeks, give them a call.

jimbo26

voodoovince, I had the same reply and got a card from them. Give them a call.

voodoovince

this was prob before xmas i applied

i will try calling them

i have been worried about applying for any others as i know each rejection is 1 mark against my credit raiting


i was thinking could the fact that my address is funny

my tenancy agreement says my flat is 1f3 but some computer searches has it a ??/7

??= street number


thanks for every1s help so far any other responces would be really helpfull