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Corsa Sport » Message Board » Off Day » Credit card problem - any ideas? » Post Reply
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Matt H |
posted on 17th Oct 06 at 21:14 |
Yeah if you pass it goes up & if you fail it goes down | |
nickyboy01 |
posted on 17th Oct 06 at 20:14 |
Cards other than from your mainstream places such as Barclaycard usually have very high scoring rates with regards to your credit history so only the higher earners etc get them. I've tried and failed in the past but got one from the Halifax with no problem and that was interest free for a year. | |
Matt H |
posted on 17th Oct 06 at 14:41 |
quote: I've cancelled 2 of them (y) | |
ed |
posted on 17th Oct 06 at 08:52 |
Maybe you haven't got yourself enough debt recently. The card companys like you to be in debt because it's the way they make money... | |
DarkBahamut |
posted on 17th Oct 06 at 01:31 |
quote: I was earning more than that, as i was living at home and had no car at the time, even after paying rent and stuff to the 'rents i had £650+ FREE every month, not toal income. | |
Ian |
posted on 16th Oct 06 at 23:03 |
Might be because you have enough credit available already, lower the balances on the other cards or cancel them and try again. | |
Dan B |
posted on 16th Oct 06 at 22:55 |
quote: I had £19k in credit-limit, across 3 cards, and still got approved for a 4th and another £4,500 limit......I'd imagine there're are quite a few factors involved, existing credit MAY be one but I doubt it's a major one. | |
TNM |
posted on 16th Oct 06 at 22:03 |
:lol: if you earning £650 a month theb maybe thats why they decliend you? | |
DarkBahamut |
posted on 16th Oct 06 at 21:57 |
quote: Egg are bollocks to be honest. I had a credit card with them (£1000 limit - no other credit at all except a contract phone) always fully paid off with hardly anything on it and had around £650 a month in income i could throw away and they still declined me for a £5000 loan :rolleyes:. The reason they declined me was because i never borrowed that much money in the past, nothing to do with my credit score. Oh wow, because i dont have 5 million pounds of debt like everyone else they wouldnt give me a loan. :rolleyes: [Edited on 16-10-2006 by DarkBahamut] | |
TNM |
posted on 16th Oct 06 at 21:43 |
have you tried egg or virgin? | |
Matt H |
posted on 16th Oct 06 at 21:31 |
On the electoral role yeah | |
John_C |
posted on 16th Oct 06 at 20:52 |
are you on the electoral role? basic thing like this could be it | |
DarkBahamut |
posted on 16th Oct 06 at 20:49 |
It could be because you have so much credit available already. Just because you dont owe anything doesnt mean companies will keep throwing cards at you, otherwise people could get like 10 or 15 cards then run them up. If you've got 12k in limits on your cards already then i'd say thats probabaly your reason. | |
Tom J |
posted on 16th Oct 06 at 20:44 |
have you ever missed a payment deadling on a credit card? Have u got anything else on finance? | |
Matt H |
posted on 16th Oct 06 at 20:21 |
New question: | |
mav |
posted on 14th Oct 06 at 18:49 |
:thumbs: | |
Matt H |
posted on 14th Oct 06 at 18:38 |
12 months (y) | |
John_C |
posted on 14th Oct 06 at 18:13 |
http://www.gemoney.co.uk/html/creditcard/creditcardsectionpage.shtml | |
Matt H |
posted on 14th Oct 06 at 17:58 |
Ah haaaaa | |
fiestakidda |
posted on 14th Oct 06 at 17:57 |
Tesco, just got one, interest free till june 07 | |
Matt H |
posted on 14th Oct 06 at 17:54 |
They do up to 6 months... | |
Robbo |
posted on 14th Oct 06 at 17:48 |
Egg | |
Matt H |
posted on 14th Oct 06 at 17:46 |
*See the bit at the bottom* |