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Refused Credit Card

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  • 18-06-2012 9:55am
    #1
    Mimikyu
    Registered Users Posts: 18,918 ✭✭✭✭


    This post has been deleted.


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    #2
    stargazer 68
    Registered Users Posts: 5,109 ✭✭✭stargazer 68


    Nothing unusual there OP Im afraid. My mum was refused a credit card too despite having her account and mortgage with the bank. When she questioned it she was told that basically 'it was the luck of the draw' - they refuse a certain amount of applications and hers just happened to be one of them


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    #3
    maximoose
    Registered Users Posts: 9,202 ✭✭✭maximoose


    Captain Morgan wrote: »
    This post has been deleted.

    This will have no effect on your credit rating at all, don't worry about that anyway.

    You could appeal if you want, maybe they did take some details wrong and it was a genuine mistake. More likely though you'll just be given some vague answer that you "didn't meet their in-house criteria".


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    #4
    chris85
    Registered Users Posts: 4,502 ✭✭✭chris85


    You could appeal to see if they took some details down wrong i guess, but unless they did nothing much else will happen unless you have further info to help your application.

    The fact is a lot of people are getting refused these days. I have great record with loans and credit cards but would be fairly confident of getting refused for loan by bank or a credit card company. For this reason I manage my current credit card well as want to hold onto it. Also loans through CU and they are brilliant to deal with and will ensure always on time with payments as want to keep good relationship with them for future credit I may need.


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    #5
    cazzak79
    Registered Users Posts: 411 ✭✭cazzak79


    I work in credit cards myself on the lending side not in
    Just so y know it's not a lottery! People are approved/ declined on many things such as account performance missed payments etc it doesn't go on ICB
    If ur refused ring them up and see what they declined u on and if u can send any
    More details


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    #6
    filmbuffboy
    Closed Accounts Posts: 894 ✭✭✭filmbuffboy


    Captain Morgan wrote: »
    This post has been deleted.

    that may be why they wont issue you with one. if you pay it off in full every month then they arent making any money in interest


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    #7
    coylemj
    Registered Users Posts: 25,435 ✭✭✭✭coylemj


    filmbuffboy wrote: »
    that may be why they wont issue you with one. if you pay it off in full every month then they arent making any money in interest

    Your credit rating and profitability as a customer are completely separate issues. Even if you pay the bill on time every month, they still make money from the cut the vendor has to pay for accepting your credit card.


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