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If we are processing your request, we must verify your creditworthiness. Unfortunately, the credit bureau commissioned by us cannot provide this information between 23.00 and 6.00 hours. The best thing is not to send your job offer during these periods, as you will only have to fill in a new one later. Once you have completed your on-line registration and signed the credit contract on-line, you will be sent your card by mail approximately 7 workingdays later.
Your Personal Identification Number (PIN) will be sent a few extra working day by mail for safety purposes. It will take a little longer if you are informed during the request that we need to do some more checking before we can authorise your card. Once you are authorised, we will mail you some documents to be signed between 5 and 10 workingdays after your on-line registration.
As soon as you have returned the stationery or taken it to a store, we will ship your card about 10 working days later. Should you be rejected during the examinations, we will write to you approx. 5 - 10 workingdays after your registration. What do I do to get my credit card bill?
Will I have to endorse the documents? For the most part, if your request is accepted, you can register for your card on-line (instead of us signing and returning a written agreement). Throughout your request we will review your creditworthiness and make you a non-binding, personal offer; it does not influence your creditworthiness.
It is a common part of many credit request procedures, but it may impair your capacity to obtain credit elsewhere for a while.
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We have used the information you have given us to show you how likely it is that you will be acceptable for each card. Your credit rating will take a small toll every times you request a credit card, so it is better to make an offer that has a high probability of being successful. Scoring helps you figure out which card you're most likely to get.
A higher number of points means a higher probability of getting the card. When you see a very low number of points, you are unlikely to get the card, so it might be rewarding to look at others. Smart Search uses the same search criterias as the creditors. When you have high scoring tickets, you can be pretty sure to apply, but the creditor will decide whether to say "yes" or "no".
When you see a guarantee number, the creditor will not perform another credit investigation, but will perform extra scams to validate your identities. When you are deemed "unauthorised" for a particular card, this may be due to one of several factors. They can already have a card with this card issuer, and some creditors do not like to give a second card to the same people.
Alternatively, from time to time creditors limit the card only to their accountholders, which means that you are not qualified if you do not have any. When you are classified as "not eligible" for many tickets, then it is likely that your credit rating is too low to be qualified - maybe you have failed to make past payment, or you have a CCJ or are bankrupt in your reporting?
However, if you do not have a huge amount of debts already, it could be that creditors are worried about the amount of debts you already have. Sometimes we cannot show a point value for a particular item because we do not have enough information about the card issuer's acceptability requirements or because we could not reconcile your data with the credit agency to perform the check.