Credit check for replacement card from MBNA?

purplelasvegas

YorkshireBoy wrote: »

Condition 13C (1st bullet) says they can carry out a credit search at any time for the ongoing management of your account.

Making a request online will not necessarily avoid a search being made, since you agreed they could when you signed the credit agreement.

MBNA do make 'ad-hoc' searches of your credit file throughout your relationship with them...I've had several (for no 'apparent' reason).

It's probably these 'ad-hoc' searches that have resulted in many cardholders seeing their APR's climb above 30%.

Thanks for the info, I think that naive is my middle name sometimes, but it makes complete sense for them to try and screw even more money out of us if possible! The sooner the card is paid off, the better. :mad:

clio

MR P Buy yoursell a car or bike m8 or have a holiday or go on a bender lol..
nah only j/king you are doing the right thing your bird wil be happy with you eh.

PROLIANT

clio wrote: »

MR P Buy yoursell a car or bike m8 or have a holiday or go on a bender lol..
nah only j/king you are doing the right thing your bird wil be happy with you eh.

Yip, also have about £100 left over from paying off debt's so off out tomorrow night for some scran and a few bevies.

clio

Where will you be going down the town or stay over G/H??

PROLIANT

clio wrote: »

Where will you be going down the town or stay over G/H??

Over Gateshead, Ryton or Winlaton maybe.

clio

Ryton is nice, why not go down to the coast.....

Bismarck

PROLIANT wrote: »

Oh no, nee card but got a £2000 loan from Littlewoods underwritten by Bank of Scotland, courier is delivering it tomorrow, gonna pay off our lasses credit card and overdraft, took it over 12 month's, I was very surprised when the underwriter said yes, must be human after all.

:j

Congratulations! :beer:

:T

bankersmug

That happened to me with mbna a few years back. On attempting to close a Homebase credit card, they managed to persuade me to keep it open but they'd need to send me a new card. They started asking about my income, etc. I refused to disclose this information. She then said without this info they would not be able to send a new card, so I told them to stick it!

Bismarck

bankersmug wrote: »

That happened to me with mbna a few years back. On attempting to close a Homebase credit card, they managed to persuade me to keep it open but they'd need to send me a new card. They started asking about my income, etc. I refused to disclose this information. She then said without this info they would not be able to send a new card, so I told them to stick it!

In December I was asked some security questions before they issued a new card but nothing about income....they also checked re employment details but I don't recall seeing an actual check on the file.

jamalfatty

This would probably happen with most if not all banks under certain circumstances. E.g. If you've had a dormant account for quite some time and then want to use it again, your circumstances may have changed considerably from the information you gave when opening account which would obviously have a bearing on limits / APR etc, or even if they are prepared to lend to you anymore