citibank which card

maxsquared

Few months back I posted a thread about I've never had a bank account in the UK, thanks for you guys, I have a Halifax cashcard account now. And it's great.

However, I have a Visa Electron card, it's really annoying to use, as some place don't accept it. So I applied for citibank access account. And got accept it. My question now is what card do they offer? Visa debt? Or Visa electron? Mastro?

Many thanks.
Maxsquared

skyrider007

Citibank UK issues either:

- a full Visa debit

or

- a full Visa debit with cheque guarantee facility for accounts with overdraft

maxsquared

Great!! Looking forward to get my card

maxsquared

Just phoned them up, and they declined my application.

I've sent in the form and the letter they requested. Also, I applied for the credit card, will that be the reason they decline me?

My situation is, I've been in the UK for 8 years and no credit card from the UK, no bank account from the UK til last September, basically no credit history in the UK. So do you think if I apply again without the credit they will accept me?

skyrider007

maxsquared wrote: »

Just phoned them up, and they declined my application.

I've sent in the form and the letter they requested. Also, I applied for the credit card, will that be the reason they decline me?

My situation is, I've been in the UK for 8 years and no credit card from the UK, no bank account from the UK til last September, basically no credit history in the UK. So do you think if I apply again without the credit they will accept me?

I'm sorry to hear that Citibank have declined your application. If you have already got a bank account then have you tried asking your current bank to upgrade your account to a normal current account?

If you really need a Visa card then you may want to apply for an Aqua card, Capital One or Vanquis Card. If you still can't get a CC then get one of the prepaid cards (http://what-prepaid-card.co.uk/index.html).

Reapplying won't make much difference to their decision outcome unless you've estalished a good history in your credit report.

Bosie

Hi Maxsquared
What account with Citi Bank did you apply for? I understand there are two, one with just a card, the other one is a full account.

maxsquared

Bosie wrote: »

Hi Maxsquared
What account with Citi Bank did you apply for? I understand there are two, one with just a card, the other one is a full account.

I believe the one I applied for was Access Account, it's a current account not the basic account.

Ice_2

firstly the access account you get a full visa debit card you don't pay the £10 per month to use this account...
secondly the citibank plus account you get a full visa debit card with cheque gaurantee also a cheque book...+ other entitlements you pay £10 a month for this account...leave it 6 months then re-apply for the access account then if your accepted you will be able to build up your credit history once this is done after about 1 year I should think (not sure on that) then you will be able to apply for a credit card...
hope this helps....
Ice formerly computerwoman...and the new citibank club thread...both accounts are current accounts...:)

Bosie

maxsquared wrote: »

Few months back I posted a thread about I've never had a bank account in the UK, thanks for you guys, I have a Halifax cashcard account now. And it's great.

However, I have a Visa Electron card, it's really annoying to use, as some place don't accept it. So I applied for citibank access account. And got accept it. My question now is what card do they offer? Visa debt? Or Visa electron? Mastro?

Many thanks.
Maxsquared

Hi Max
Just reading your first post on Citibank did they accept your application at first? You say ''got accept it? Wondering if they agree in principal, a bit like NatWest do?

Bo x