mwg
Member
Registered: 19th Feb 04
Location: South Lakes
User status: Offline
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If you apply for a credit card and get turned down does this affect your credit rating?
I've never had any problems getting credit before and never got myself in trouble with money but got turned down for a credit card. I already have one so its not the end of the world. They must of realised they wont make much, if any money out of me.
Just wondered if it'll look bad that I was turned down.
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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If you keep applying then it will look bad yes.
Ive been turned down for a card before, I guessed the same - they didnt want my business because im not going to make them any money 
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John
Member
Registered: 30th Jun 03
User status: Offline
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Won't look bad unless you continue doing it.
Some cards are stupidly difficult to get accepted for.
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A2H GO
Member
Registered: 14th Sep 04
Location: Stoke
User status: Offline
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Won't look bad if you only do it once as it only shows as a search on your credit file, not whether you passed or were declined.
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mwg
Member
Registered: 19th Feb 04
Location: South Lakes
User status: Offline
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I only applied once. Not going to apply again, didn't actually need it anyway.
Thanks.
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
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Sign up to Experian Credit Expert, they have a service on there that can match up suitable cards/loans etc. to you based on the lender's criteria and what's on your credit file.
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Pablo
Member
Registered: 3rd Feb 03
Location: Milton Keynes
User status: Offline
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I paid for mine score was 999
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
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Forget about paying for credit scores, you can get one for free at http://www.checkmyfile.com/score.asp .
The credit matching service I posted previously is free if you pay for the £6.99/month credit file thing (you can get a 30 day free trial, so do that then cancel before the 30 days if you don't want to pay).
[Edited on 07-12-2009 by Sam]
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AlunJ
Member
Registered: 3rd Apr 07
Location: Newport
User status: Offline
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I just paid a fee to experian - something silly like £2.50 and they sent me out a copy of the report by post. Not signed up for anything/free 30 days or any of that shite.
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dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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Cheers for that link Sam - 665, but obviously thats just an average figure for the answers I gave as there is nothing personal about it except the postcode
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Dione J
Member
Registered: 22nd Sep 04
Location: West Midlands Drives: Leon Cupra Turbo
User status: Offline
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824 for me, not bad 
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
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quote:
Originally posted by AlunJ
I just paid a fee to experian - something silly like £2.50 and they sent me out a copy of the report by post. Not signed up for anything/free 30 days or any of that shite.
Yeah there is that as well. I prefer the subscription service though as it alerts me to any changes in my credit file whereas with the traditional method you use there is no way of knowing immediately.
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
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quote:
Originally posted by dannymccann
Cheers for that link Sam - 665, but obviously thats just an average figure for the answers I gave as there is nothing personal about it except the postcode
No worries. Thing is even if you use the £5.95 credit score offering from Experian it's still going to be the same sort of generic rating anyway, because each lender has their own scoring criteria, however the checkmyfile.com service is free and gives you a pretty good indication - and you can use that £5.95 for buying a pint or two for example. 
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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565  not suprised it's so bad!
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