Thank you Barclaycard, stuff you Lloyds!

mothersuperior

I turned 18 over a week ago and yes i applied for a Barclaycard inital on my birthday. Well i thought to myself, i have the income i have no credit history except for an overdraft lloyds opened and shuted, hence settled on my credit file. So i applied and they accepted me. But As soon as i upgraded my lloyds account, i asked for a 50 pound overdraft! My "Personal" bank manager said, " Your have to wait a few months". Ok fair enough, but what makes me laugh, lloyds won't touch me but can see i pay in a regular income, though Barlcaycard are willing to give me a card at a risk!

I'll stay with lloyds for the time being, but it does make me laugh! Barlcaycard will touch me, but my bank won't!

Btw, i would of thought with the credit crunch going on Barlcaycard would of rejected me, or are they prepared to take risks? Even though i am not a risk.

James

battyboimatt

Good luck with that, they are willing to touch you because the apr is 29.9 apr and no doubt will give you a pitty limit on the card, and probably cut it in a few months, I have had a barclaycard for a year now and nothing but problems infact a complaint in to them and its with the ombisman now as I put the complaint in jan and just keep getting letters saying we need more time to look at the complaint, and now its been over 10 weeks, they make false promises and just let you down all the time, but thats just my opinion, good luck with barclaycard mind.

MABLE

mothersuperior wrote: »

I turned 18 over a week ago and yes i applied for a Barclaycard inital on my birthday. Well i thought to myself, i have the income i have no credit history except for an overdraft lloyds opened and shuted, hence settled on my credit file. So i applied and they accepted me. But As soon as i upgraded my lloyds account, i asked for a 50 pound overdraft! My "Personal" bank manager said, " Your have to wait a few months". Ok fair enough, but what makes me laugh, lloyds won't touch me but can see i pay in a regular income, though Barlcaycard are willing to give me a card at a risk!

I'll stay with lloyds for the time being, but it does make me laugh! Barlcaycard will touch me, but my bank won't!

Btw, i would of thought with the credit crunch going on Barlcaycard would of rejected me, or are they prepared to take risks? Even though i am not a risk.

James

Barclaycard dont mind taking the risk when they are charging 29.9%. Lloyds have a good range of cards and my advise is stay with them and try in a few months time. They are one of the easier companys to get a card from.

mothersuperior

Oh i am, this card gets paid off in full for the next 6 onths then i'll dump it!