Thread: credit cards
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Old 05-12-2003, 15:38   #33
SMHarman
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Join Date: Jun 2003
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Re: credit cards
Quote:
Originally Posted by gazzae
Its strange, I can only get one credit card with a limit of £200! I have applyed for cards from egg, marbles etc etc and they all turn me down.

I don't think I have bad credit rating as I have a loan for my car and my PC which I have never missed a payment on. Plus I have an £80K mortgage that I've never missed a payment on either.

Maybe I'm just lucky that they don't want to give me credit cards!
As you don't currently have any revolving credit accounts, just loan accounts they will want to see a satisfactory pattern of activity.

Spend and pay off on time and you will see that £200 go up rapidly and more offers following. Your record may well be clean, but the companies are wary as it could be someone else trying to get credit on your profile...

You should also check your credit report, the previous owners of your house may have had bad credit and that could be a mark against you, there may be errors on it. Also are you on the electoral roll at the address, and have you agreed to having that info published so the credit companies can see it.
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