Thread: Pre Cr Cd Application Check

Saw this today on MoneySavingExpert - BarclayCard has a pre application check which leaves a 'soft' footprint rather than a 'hard' footprint of an actual application.

'When using the Pre-Application Check, it only registers a 'soft footprint'. It will be clear to you when viewing your file that someone has searched it, but no formal application/hard footprint will be recorded.'

So

'If you're unlikely to get the type of card you want, it will stop you needlessly applying which would otherwise damage your credit file and make borrowing harder and more expensive in future.'

If OK, here's the the link.

Barclaycard pre-application check to prevent credit woe - MoneySavingExpert News

Barclaycard are the first to do it and it can only be a good thing as it protects your credit file.