Right, well the number of applications you are making will not be helping. if you have too many applications within a 6 month period this is seen as suspicious or indications of attempted fraud within a credit check. Do NOT apply for anything for at least 6 months.

Put away some money as the previous poster has said as well. Make sure you don't miss any payments (i know you haven't missed any so far) and you should see the rejections fall away.

The previous poster is right though, why on earth would you want a store card? Some of them charge as much as 28-30% interest on purchases, which is almost double most CCs borrowing rates, you'd be much better (if you insist on getting a card) getting a good rate credit card.

Well why would you want a store card/finance deal there the most expensive forms of borrowing one especially store finance although it surprise me you cant get it as they'll normally take on anyone.

Kitty

To be honest I don't have a clue why you keep being rejected.

But I would guess that at 19 if you have had some debt and you look eager ( no. of applications) to apply for more credit, from a risk point of view, this is scaring companies off.

My advice for what it is worth, is to sort out a budget for your spending and look to save (say) £200 a month. Put this away over the next 6 months or so and then look to see whether your position has changed. Don't be tempted to go to sub-prime type lenders who charge silly interest rates and then increase these massively if you were ever late with a payment.

At the moment companies are being very risk adverse. There are loads of people in the same situation as yourself, as noted by the number of posts added to this site. So you should not take this too personally.

Huckster

Hello,

Im 19 years old, I have been earning 1500 a month for the past year, i live in a rented unfurnished house, im on the electoral roll. Since turning 18 I have applied for a mobile contract which i have never missed a payment, i have applied for an internet contract which i have never missed a payment. Since 18 I have never been able to get a store card, I have tried 2 shops. I have an overdraft of £1000 which I paid off last christmas. Around christmas time I started looking into getting a loan, I made many applications not understanding that everytime they checked it would harm my credit, I even tried my online banking and was rejected. In february this year I decided to try getting a loan with the same bank and much to my surprise I got it, to be paid off in a 12 month period, I have never missed a payment. On the same day I got the internet contract. I checked my credit report which seems immaculate but did not see my score, due to my job I had to get my finances checked which showed up and also the other checks which have taken place. Since I checked I tried to get shop finance for a tv but got rejected. A few months ago I applied for a capital one card but got rejected, while in my bank (which i have the loan with), getting my overdraft decreased the man said i should try for the credit card but got rejected for this. I am currently trying to apply for a loan for a wedding, but have already been rejected by 2 mainstream companies. I don't know what else I can do, I can't ask my family for money because I don't have anything to do with them and my partner does not have the best of credit historys. Any advise on the best companies for me to try would be much appreciated.

Thankyou