turned down by hsbc, i want to re-apply

yogiberr

hiya,

I applied to hsbc credit card a while ago.I earn ok money and have a couple of credit cards.I have only ever made a late payment once on a credit card, and now pay off my credit cards every month.

I've never been late with a mortgage payment.

When I applied to hsbc, the site crashed before I could I examine why I had been knocked back.I didn't get an mail notification, so I'm none the wiser.

I think the reason i was knocked back was because i had started a new job.
Would i be better waiting until i've been in the job for 6 months, and also dich one of the credit cards before I apply?

I really fancy the 12 months interest free.

Any advice appreciated,

many thanks,

yogi

skyrider007

If the website crashed during your application then it is unlikely to have gone through. It wouldn't hurt to re-apply now (or whenever the website is fixed). Good luck!

P.S. don't ditch ur card, unless u have lots of unused credit - they'd still be able to see the card u've just ditched anyway (at least for another 6 yrs)

yogiberr

hiya,

ta for the rely.No,it definitely knocked me back.I rememeber the explicit message stating that my allication was unsuccessful.

Do you think I should still re-apply? Or wait till i'm in the job 6 months?

..I don't want to start racking up a bad credit score because of multiple nockbacks..


Many thanks,

yogi

Moggles_2

yogiberr wrote: »

I rememeber the explicit message stating that my allication was unsuccessful.
Do you think I should still re-apply? Or wait till I'm in the job 6 months?

There's no point in re-applying to the same lender straight away.

Btw, I can recommend the Halifax Purchase card

yogiberr

hiya,

Ta for the reply.I alrady have a halifax one card.

I was thinking I should get a goldfish card via quidco so i get the £41

Has anyone done that and actually received the money?

many thanks,

yogi

_Andy_

Yep I just got my £41 this week.
Do you bank with HSBC by the way?

yogiberr

hiya,

No, but I don' fancy applying for an account just to get a card.

yogi

neverdespairgirl

yogiberr wrote: »

I was thinking I should get a goldfish card via quidco so i get the £41

Has anyone done that and actually received the money?

Yes, and yes. The cashback came through quickly, as well.

yogiberr

hiya,

I applied for the goldfish on march the 29th, and I've received news of my new pin in the post,yet, there's no cashback or transactions listed in my account...shouldit take this long?

ta,

yogi

Volcane

yogiberr wrote: »

hiya,

I applied for the goldfish on march the 29th, and I've received news of my new pin in the post,yet, there's no cashback or transactions listed in my account...shouldit take this long?

ta,

yogi

Barclays have now taken over Goldfish and the cashback has now been withdrawn. However if you got in just before the withdrawl they *should* still honour it.

The "no £41.00 cashback offer" is for brand new customers only.