Best Bank to Apply for Credit CardThe best bank for applying for a credit card
Credit card with its own bank. Simpler?
CREDITS CARTERS HIT CREDITS! Up to 43mths 0%, 3.29% Charge, Barclaycard, 37mths 0%, 1.4% Charge, Virgin Money, 30% 0%, 0.55% Charge, Sainsbury's, 5.9% for Living, No Charge, Amex, No Yearly Charge, Aqua Reward, 0. 5%, No Annuity Charge, Asda, Up to 1% back, Amex, £100 Gift Certificates, Sainsbury's, 29mths 0%, MBNA, Up to 29mths 0%, Tesco, Up to 28mths 0%, The AA, Up to 26mths 0%, MSE Best Buys:
See Best Balance Transfers & Official APR Examples for more information. Best Buy MSE: See Cashback Credit Cards and Official APR Examples for more information. Best Buy MSE: See Low Cost Credit Card Loans & Official APR Examples for more information. Hello everyone, does anyone know if using for a CC with your bank that you keep your bank account with (ie, currently, savings) makes it more likely that you will get one?
Recently I apply for M&S and was rejected and I really can't see why I'm good with finance because I only have one CC (like below) and I have a high credit rating and clear payments. However, I bank with Halifax and have all my bank account with them, so I'm going to apply for the One Card.
Applying for a credit card
You have been rejected for a credit card for a number of reasons: This may be due to the fact that you have not fulfilled the necessary selection requirements. A credit card company, for example, can define a minimal salary. Every emitter has its own criterion, so one could reject you and the other could reject you.
Unwanted information in your credit histories. These include misspent mortgage repayments, loan and credit card repayments and high rates of outstanding debt in terms of your earnings. If your financial situation improves, your credit files may still be affected by something from up to 6 years ago. Credit card issuers may have other information about your financial situation and the possibility of refunding a credit card.
If, for example, you apply for a card from your bank, they will probably use information about your checking accounts or your life saving. Consider what kind of credit card suits you best. Be careful not to apply for too many credit card numbers, because every times you apply for a card, whether your request is a success or not, it will be noted in your credit record.
As a result, some credit card companies may be worried about granting you credit. You will be informed by the issuing body of your refusal and which credit bureau has been used. The first thing you might want to do is find out why you were rejected. Best way to do this is to turn to the credit bureau.
The credit bureau provides information about individuals who want to lend from creditors, such as credit card companies. Creditors then use this information to determine your creditworthiness and whether they want to give you a credit card. Their creditworthiness is predicated on the information you submit and what is contained in your credit history files.
Expert, Call Credit, Equifax. A copy of your credit record can be obtained from these credit rating agencies if you visit their web sites. Should you believe that your information is false or wish to provide an explanation of the context of certain particulars, you should consult the agency. It' referred to as a correction notice and anyone who searches your files in the near term will see this and must take it into consideration.