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I want a credit card but my bank won't give me one

Last post 21 hours, 21 minutes ago by Linda A Perez. 4 replies.
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  •  21 hours, 21 minutes ago

    Re: I want a credit card but my bank won't give me one

    Well, there will be like your loan balance is too high,previous credit card balances too high, too many enquirers on your credit report,less income,too many credit cards,have a recent collection or public record,last delinquency was too recent, charge-off on your credit report,thin file or limited credit history,unfilled application,not old to get a credit card,you haven’t been at your current job long enough may be few of the reasons why your credit card has been denied by the bank.But there are many credit card service providers with no or very less annual fee,generous credit limit, bonus reward points and ample card benefits.


    • Post Points: 5
  •  Sat, Mar 15 2014, 9:31 PM

    Re: I want a credit card but my bank won't give me one

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    • Post Points: 5
  •  Sun, Jan 26 2014, 5:06 PM

    Re: I want a credit card but my bank won't give me one

    Thank you very much for your answer and your advice Zeb.

    I will try and open a Barclays bank card. Do you need to have a current account with a bank to request a credit card?
    What do you think about my unused Lloyds account? Shall I close that one?
    Also, I am on the electoral roll. According to what you say, it seems that the fact that I have moved a few times over the last few years has affected as well.
    • Post Points: 20
  •  Sun, Jan 26 2014, 9:26 AM

    Re: I want a credit card but my bank won't give me one

    It sounds to me from your post that the problem is about lack of credit.

    This does not mean that you should go out and get loans and things but to cover all bases for your credit.

    Being on the electoral roll is key for gaining initial credit as it shows your address not just now but going back and it gives credit providers an reassurance that if you didn't pay your bills they could find you. It also helps if you do not change address every 5 minutes as lenders would be concerned about tracking you down if you didn't pay and people who change addresses regularly are far more likely to skip payments.

    Just being on the electoral roll will not give you access to credit, the lender would want to see a constant record of address and not just that you are now on the roll, it will take time for it to help you but in the end it will give you your biggest boost as far as lenders are concerned.

    Getting a store card or a high interest credit card would help too. The pass score for gaining one of these cards is considerably lower than a banks credit card and so this could be a route. A store card will likely charge you interest from day one where as even the high interest rate cards will give you 30 days interest free to repay the debt you run up.

    The absolute key thing that you need to do what ever type of credit you take is ensure you make the repayments on the debt and clear the balance in full

    • Post Points: 20
  •  Sat, Jan 25 2014, 10:19 PM

    I want a credit card but my bank won't give me one

    Hello everyone. I need some help on this matter, so I would be very thankful if you could advice me on what would be the best next move.

    I have requested a credit card with my bank, Santander, twice now. Both times I have been rejected it. I have an small loan that has always been paid on time, several direct debits that have always been paid on time as well, and a good balance in the account. I have been with them for 1 year and 3 months. I also have a lloyds account that is 2 years and a half old that I have not used for a good while. I did for a while have a new look credit card (a clothing store) that I didn't use at all so I cancelled it thinking it would be bad for my credit score (I did not know it was a credit card and the consequences when I opened it)

    So my question is, what should I do to get a credit card? I really want to start improving my credit score. My santander account is a good one which has never have any problems, so I don't really understand what the problem is. Should I change to barclays where they seem to give more facilities to get your first credit card? Will I then have too many accounts and would this reflect badly on my credit score? And if yes before, should I just close the Lloyds account?

    I have also contemplated to open an store credit card, like the M&S bank one, is this a fairly easy one to get approved? As it seems like you only have to sign and send the form they provide in the store, and the interest rates seem quite good.

    Thanks very much in advance.
    • Post Points: 35