Matt H
Member
Registered: 11th Sep 01
Location: South Yorkshire
User status: Offline
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*See the bit at the bottom*
Ideally one with about 6 months or more, could be less I suppose but ideally 6 months
Any suggestions? Anyone got on recentley?
Do have a credit cards at the moment but there all cleared do Im not bothered about balance tranfers
Cheers 
[Edited on 16-10-2006 by Matt H]
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Robbo
Member
Registered: 6th Aug 02
Location: London
User status: Offline
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Egg
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Matt H
Member
Registered: 11th Sep 01
Location: South Yorkshire
User status: Offline
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They do up to 6 months...
That might be subject to status?
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fiestakidda
Member
Registered: 23rd Oct 02
Location: Darlington (Come On Boro)
User status: Offline
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Tesco, just got one, interest free till june 07
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Matt H
Member
Registered: 11th Sep 01
Location: South Yorkshire
User status: Offline
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Ah haaaaa
Will go check this out now 
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John_C
Member
Registered: 5th Mar 03
Location: South east, Bromley
User status: Offline
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http://www.gemoney.co.uk/html/creditcard/creditcardsectionpage.shtml
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Matt H
Member
Registered: 11th Sep 01
Location: South Yorkshire
User status: Offline
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12 months
Applied 
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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Pay it off in 12 months and job done
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Matt H
Member
Registered: 11th Sep 01
Location: South Yorkshire
User status: Offline
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New question:
Applied for the GE capital one.....declined
Applied for a Marks & Spencer &more card....declined
Really odd  I have a good credit history, never been refused anything before. Infact, just recently my other card limits have been increased to £6750 on one & £5500 on the other! Only thing I owe on them is about £35 from when I filled the car up with fuel about 2 weeks ago
Been on to experian website & payed the £2 to get my credit file sent out but that takes up to 7 days to come according to the website. Really pissed off & confused 
I rang my bank earlier & they said they couldn't understand why they would say no, kind of just confirmed what I was thinking
Im aware that failing a credit check has a negative effect on your credit score so Im a bit worried about applying for any more!
Im getting the card to make a rather large purchase & I really don't want to have to pay interest on it for the first few months untill I've payed it off!
GE & M&S were doing 12 months 0% on purchases. Sainsburys are doing 10 months which would be fine
Does anybody on here work with credit? Could there be a reason why someone with a good credit history might not be accepted for a card?
My only thought is that my total limit within the credit industry is now quite high since they bumped my limits up so much on t'other cards. Do people have a limit in totoal across all differant compaines?
[Edited on 16-10-2006 by Matt H]
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Tom J
Organiser: South Wales
Premium Member
Registered: 8th Sep 03
Location: Bridgend
User status: Offline
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have you ever missed a payment deadling on a credit card? Have u got anything else on finance?
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DarkBahamut
Member
Registered: 4th Jun 06
Location: Cambridge, Cambridgeshire
User status: Offline
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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.
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John_C
Member
Registered: 5th Mar 03
Location: South east, Bromley
User status: Offline
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are you on the electoral role? basic thing like this could be it
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Matt H
Member
Registered: 11th Sep 01
Location: South Yorkshire
User status: Offline
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On the electoral role yeah
Had loans in the past, had a contract phone for about 4 years. Never really missed a payment, might've forgotten ato pay my credit card once or twice but its always been payed the following month without fail. I've never had anything serious IE letters to say I owe money etc
Household is fine, all my family have good credit
Need a fairly hefty limit to start with so I might cancel the card with the 5.5K limit (Capital One are a pain anyway!)
Anyone know how soon this type of thing would update? Ie from cancelling one to being allowed to open another?
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TNM
Member
Registered: 5th Apr 04
Location: Nottingham Drives: VW Tiguan
User status: Offline
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have you tried egg or virgin?
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DarkBahamut
Member
Registered: 4th Jun 06
Location: Cambridge, Cambridgeshire
User status: Offline
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quote:
Originally posted by TNM
have you tried egg or virgin?
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  . 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.
[Edited on 16-10-2006 by DarkBahamut]
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TNM
Member
Registered: 5th Apr 04
Location: Nottingham Drives: VW Tiguan
User status: Offline
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 if you earning £650 a month theb maybe thats why they decliend you?
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Dan B
Member
Registered: 25th Feb 01
User status: Offline
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quote:
Originally posted by DarkBahamut
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.
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.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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Might be because you have enough credit available already, lower the balances on the other cards or cancel them and try again.
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DarkBahamut
Member
Registered: 4th Jun 06
Location: Cambridge, Cambridgeshire
User status: Offline
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quote:
Originally posted by TNM
if you earning £650 a month theb maybe thats why they decliend you?
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.
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ed
Member
Registered: 10th Sep 03
User status: Offline
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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...
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Matt H
Member
Registered: 11th Sep 01
Location: South Yorkshire
User status: Offline
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quote:
Originally posted by Ian
Might be because you have enough credit available already, lower the balances on the other cards or cancel them and try again.
I've cancelled 2 of them
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nickyboy01
Member
Registered: 10th Sep 03
Location: Oxford-ish
User status: Offline
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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.
It can also affect your credit score for each declined application so dont go and do too many.
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Matt H
Member
Registered: 11th Sep 01
Location: South Yorkshire
User status: Offline
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Yeah if you pass it goes up & if you fail it goes down
I noticed Halifax are doing 0%, don't you have to be a Halifax customer though?
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