Anubeon:

and I have a decent credit score (or at least I should given my amassed savings

For your information to help you understand the process better, your "credit score" takes no account or income or savings. Income (and employment status) but not savings is however considered during the application process. It's surprising that Halifax don't make an allowance for you savings status however given that they might lose your savings if they upset you.

If you have a good repayment history, not too many recent applications, can make something of your stipend and properly represent your non-undergraduate status, its well worth trying another organisation. Personally I would give M&S a try.

Best of luck.

Greetings Jalexa,

As it happens, applying for a credit card offering from another issuer was my plan A. There are a number of good offers that I have my eye on, though the Halifax offer to existing customers is by far the best available to me(eligibility not withstanding).

I'm near certain that I disclosed that I was a student during my initial application (which was accepted) for a Halifax All in One credit card two years ago. In-spite of my status as a student, albeit one with a regular income exempt from tax, Halifax offered me a surprisingly generous credit limit. I find it odd that I'm no longer worthy of such, as seeing as my income and circumstances remain the same and I have a decent credit score (or at least I should given my amassed savings and exemplary repayment history).

The only need I have of a credit card is to purchase my annual rail season ticket and pay it off gradually, this is only beneficial to me during the introductory period as any interest charges would increase the costs associated with purchasing an annual season ticket to the extent that purchasing monthly or weekly season tickets would be preferable. I guess my only choice if I can't find a lender willing to offer me introductory rates will be to pay the extortionate rail fees upfront, something I am not looking forward to.

Regards

Nubey.

Anubeon:

I cancelled my Halifax All in One card about two months ago, having opened the account in my first year as a postgraduate student. Yet earlier today I was informed that as a postgraduate student I was not eligible for the Halifax All in One card,

I take it you had a particular reason for cancelling your previous card? Did you have a Plan B?

Many issuers won't reissiue a card until some time has elapsed, which may be the real reason and nothing to do with being a postgraduate student. Perhaps they know you are a student because you have a student current account?

If you haven't had too many recent applications you can probably afford to try elsewhere. Use the credit card search on this website, taking care to select "Purchases" and checking both the Sponsored and the Full results. If you are unsuccessful I guess that is lesson learned and you might need to rely on a Halifax student credit card.

Regarding your status when making an application, be careful about selecting "student" if actually you are a "postgraduate student" with a stipend and there is a better description.

Greetings access,

Indeed I do have other accounts with the Halifax, one current account, two online ISAs and a regular saver account. I cancelled my Halifax All in One card about two months ago, having opened the account in my first year as a postgraduate student. Yet earlier today I was informed that as a postgraduate student I was not eligible for the Halifax All in One card, confusing given that a presently earn a significant, tax exempt stipends and have savings accounts (with them) amounting to about £10,000.

I have noticed other introductory offers which peak my interest, although none were as good as the introductory offer from the Halifax (12 months interest free purchases for existing customers). I can only hope the other providers aren't as closed minded vis student credit.

Anywho, thanks for responding,

Nubey.

Do you have any other accounts with Halifax other than the recently deceased card? If not then you aren't a customer any more and they're just sending you stuff on spec. You need to read the terms & conditions of the offers and if you don't get the answers you want phone Halifax and get them that way.

The eligibility thing is how long is a piece of string. Eg some companies - financial or otherwise - will state a minimum period before you can become a customer again while Citi who only give their best "Flex rate" to new customers let you close your old account and immediately open an account as a new customer.

Have you looked at moneysupermarket's calculator to see if there are any attractive interest free cards?

Greetings All!

I recently cancelled my Halifax All-in-One card and am now in the market for a new credit card so that I can spread the cost of my annual rail season ticket. I was wondering how long it generally takes to become re-eligible for introductory offers, as I keep receiving promotional e-mails from Halifax advertising a 12-month interest free period for existing customers (such as myself).

I suspect, that were I to apply today for this offer, my application would either be turned down or I would be issues a card without the introductory period. It would however by nice to know whether or not this is the case, and indeed when I will be re-eligble for introductory offers such as these.

Any incite would be greatly appreciated.

Kind Regards,

Nubey.