P1CK4D
Member
Registered: 19th Jun 06
Location: Around Essex Somewhere
User status: Offline
|
Just wondering if anyone else has experienced this? I have never been in negative funds and the only direct debit payment I have is my mobile contract. My friend got a Tesco Credit Card and I fancied getting one as I was bored one night. I got declined  Phoned Tesco the next day and they can't give me a reason why, and my only option is to contest it by sending them 3 bank statements and a written letter. So I didn't bother. I came home yesterday to a letter from my bank, an already accepted Credit Card that I can take out.  How the fuck does that work? 
|
BarnshaW
Member
Registered: 25th Oct 06
User status: Offline
|
i know it sounds bad but sometimes its actually to have a previous credit rating , even if you had a bad one and paid it off you would probably still have a better chance then someone who has never borrowed before.
i had this problem when i tried to get a loan, i had never borrowed before but would only get massive APR's whereas friend at work has been blacklisted years ago , has had lots of loans but still gets them easily
|
P1CK4D
Member
Registered: 19th Jun 06
Location: Around Essex Somewhere
User status: Offline
|
I thought this. It's like they only want to give a credit card to someone they think is going to fuck up so they can charge them!
|
AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
|
quote:
Originally posted by P1CK4D
I thought this. It's like they only want to give a credit card to someone they think is going to fuck up so they can charge them!
Errrrrrm, yes. Thats exactly what they want
|
P1CK4D
Member
Registered: 19th Jun 06
Location: Around Essex Somewhere
User status: Offline
|
It's a cruel cruel world we live in..
|
pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
|
As much as I can see your point Barndoor, I have 4 credit cards now and have always paid my balance off in full every month, never missed a payment or anything. I don't have an overdraft or owe any other money and I've always been accepted with reasonable credit limits no problem
[Edited on 20-01-2011 by pow]
|
Russ
Member
Registered: 14th Mar 04
Location: Armchair
User status: Offline
|
quote:
Originally posted by P1CK4D
I thought this. It's like they only want to give a credit card to someone they think is going to fuck up so they can charge them!
|
IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
|
quote:
Originally posted by pow
As much as I can see your point Barndoor, I have 4 credit cards now and have always paid my balance off in full every month, never missed a payment or anything. I don't have an overdraft or owe any other money and I've always been accepted with reasonable credit limits no problem
[Edited on 20-01-2011 by pow]
you have history then! no reason not to get one!
|
Mertin
Member
Registered: 12th Oct 05
Location: Scotland
User status: Offline
|
I got declined for a tesco one too, got car finance iv been paying for 2 years and a bank of scotland credit card that was paid off in full nearly every month
|
Warren G
Member
Registered: 14th May 06
Location: Kent
User status: Offline
|
iv just got my first one with natiowide, offered me straight to GOLD account and £3500
|
GSi Ghost
Member
Registered: 15th Dec 05
Location: Stoke-on-Trent
User status: Offline
|
Its a good idea to to get your first credit card through the bank that you have your money in. They will almost definitely give you one. Then after a few months, when you've built up some credit rating, you can apply for the tesco one.
|
DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
|
As above generally you need to have had previous good credit to be able to get credit 
I'll bet American Express would give you a card with their extortionate rates.
To behonest you're better off without debt!
|
Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
|
gutted.
probably because they can't make any money out of you.
halifax keep throwing them at me. sick of it now tbh.
|
Skylined
Member
Registered: 27th Sep 05
Location: Sideways, Surrey
User status: Offline
|
I applied for a Student Credit Card with Halifax, got rejected because I have a student loan...
WTF!
|
AlunJ
Member
Registered: 3rd Apr 07
Location: Newport
User status: Offline
|
Best of trying your bank for a first card, or one of those stupidly high interest capital one cards, as long as you pay it off in full there should be no problems.
|
AlunJ
Member
Registered: 3rd Apr 07
Location: Newport
User status: Offline
|
quote:
Originally posted by Ben G
halifax keep throwing them at me. sick of it now tbh.
me too funny enough, not got your mortgage with them as well have you?
|
fred7
Member
Registered: 17th May 04
Location: Rugeley, Staffordshire
User status: Offline
|
my mrs got rejected for a stupid high capital one card, got accepted for a clarity card with halifax for £2k!! interest rate is 12% dunno how that worked out
|
Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
|
quote:
Originally posted by AlunJ
quote:
Originally posted by Ben G
halifax keep throwing them at me. sick of it now tbh.
me too funny enough, not got your mortgage with them as well have you?
i have. got my home and life insurance with them aswell.
|
dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
|
quote:
Originally posted by Ben G
quote:
Originally posted by AlunJ
quote:
Originally posted by Ben G
halifax keep throwing them at me. sick of it now tbh.
me too funny enough, not got your mortgage with them as well have you?
i have. got my home and life insurance with them aswell.
Everytime I log in to Halifax online banking they try and stiff me with a 15% credit card because our mortgage and joint account is with them, HSBC dont try this shit every time
|
Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
|
yeah that stuff annoys me. same when i wnt into the branch, it's ''can i recommend this?''
no, sod off.
|
VegasPhil
Premium Member
Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline
|
Ben I saved 35 a month by changing my life and home cover this week. I just took them both originally with the mtg before I cottoned on how much I was overpaying.
Corsa 2.0 16v Vegas - Sold
|
Mertin
Member
Registered: 12th Oct 05
Location: Scotland
User status: Offline
|
My first credit card with my bank was £5500 limit. Couldve went daft wi it
|
AlunJ
Member
Registered: 3rd Apr 07
Location: Newport
User status: Offline
|
quote:
Originally posted by Ben G
yeah that stuff annoys me. same when i wnt into the branch, it's ''can i recommend this?''
no, sod off.
Lloyds did this to me every time I went to pay money off my £1k on the card "a loan might be better sir" well last time u tried it wasn't better
|
