corsa_paz
Member
Registered: 5th Mar 04
Location: Midlands
User status: Offline
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Is it just me or is it really hard to get accepted to get a new card?
ive tried with 3 different banks and i keep getting rejected!
ive moved from my old house from birth to new house 2 years back..does it make a difference who was living here before and how their credit rating was??
im 28, my own place, pay bills on time, one or two may have slipped the net in the last 6months, but nothing major such as CCJ, defaults etc..
ive applied for my credit report to be sent to me, but its so annoying!!
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aim1
Member
Registered: 26th Jun 06
Location: Kent
User status: Offline
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The credit report will soon tell you whats what!
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Think it's just the 'current climate' (hate saying that).
You're shooting yourself in the foot by keep applying for different ones tho as it shows up on your report each time as being declined and other lendors may base their decisions on other lendors decisions, etc.
From my experience...if the cash isn't readily available then don't buy it.
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Nick-S
Member
Registered: 3rd Mar 04
Location: Leigh. Drives: RS Megane 230 F1 Team R26
User status: Offline
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Credit cards are the worst and most expensive way to borrow money.
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Matt L
Member
Registered: 17th Apr 06
User status: Offline
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my gf got turned down for a credit card a month ago because she is too safe with money  but she was told that once one bank turns you down it shows up on your report or something so others will look and just kind of automatically reject you .
dont know how it all works to be honest.
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corsa_paz
Member
Registered: 5th Mar 04
Location: Midlands
User status: Offline
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i just want to bal trans my one and only store card which im paying alot of interest on..
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ARD1
Member
Registered: 4th May 04
Location: Notts
User status: Offline
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just done mine with barclay card went through online on thursday, card arrived today, doing a balance transfer now
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John
Member
Registered: 30th Jun 03
User status: Offline
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I've found it really easy to get them even in the past year.
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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I've had no trouble what so ever with 2 CC's.
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Phi
Member
Registered: 8th Jan 07
Location: South
User status: Offline
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i cant get credit cards/store cards or overdrafts, apparently havnt got a credit rating... but i can get loans and i have monthly direct debits and always have money left in my account everymonth... its good thing though, otherwise id be in debt!!
im going to get a credit report done though, because i want to see if there is anythign bad on there i dont knwo about!
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saj_123
Member
Registered: 6th Jan 09
Location: Berkshire
User status: Offline
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Its really difficult as you are probably aware. My mum has two houses on her name earns a bit and pays bills on time and she was refused!
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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I did one of those credit reports when I was bored distracting myself from Uni work. I had the highest rating you can possibly have, and I've had over 4 credit cards since I turned 18.
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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quote:
Originally posted by Corsa_phi
i cant get credit cards/store cards or overdrafts, apparently havnt got a credit rating... but i can get loans and i have monthly direct debits and always have money left in my account everymonth... its good thing though, otherwise id be in debt!!
im going to get a credit report done though, because i want to see if there is anythign bad on there i dont knwo about!
It's a bit like trying to get a graduate job though. You won't get a job without experience, but it's hard getting experience. You don't get a good credit rating, unless you have had credit. It even includes a mobile phone pay monthly contract, and that is the way most people get their credit rating going.
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Phi
Member
Registered: 8th Jan 07
Location: South
User status: Offline
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i cant even geta mobile phone contract ..thats the thing , i dont want one anyway , but thats not the point really.
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corsa_paz
Member
Registered: 5th Mar 04
Location: Midlands
User status: Offline
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im paying mobile phone, land line, mortgage, few direct debits, and still been refused.???
this country is gettin insane by the day!
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Eck
Premium Member
Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline
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That may be the reason wh then. They may see that as you having no more expendable income.
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