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Barclays credit card decision


Nottingham2013
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I applied for a Barclaycard Platinum online a few days ago and I didn't get an instant decision. I rang to ask about it and they said I have been sent a letter requesting documents although they didn't know what and why. Any idea what documents they will be requesting and the chances of me being accepted? Noddle and moneysaving expert creditcard eligibility checkers rated me a 70% chance of being accepted and Barclays own said I had a 'good' chance. Only problem is I have a lot of searches on my file which is the thing that could get me rejected.

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Are the searches in regard to " credit applications" if so these will affect a lenders decision too many in a short period does fag up a warning that one may be "desperate " for credit.

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Yes they are credit applications, I need a couple of root canals and crowns and then braces once they are done. Total bill around £6,000 so I am in need of it that's why I'm so impatient with it.

More than two apps successful or not will affect a lenders decision.

 

 

The credit card " checkers " are not to relied upon, all CC providers have their own unique systems for " credit rating " an application.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Barclays own eligibility checker said the same thing though. If they are asking for documents does that mean they are inclined to accepting providing everything is ok?

The in house " eligibility" checker is about as much use as the CRA checkers.

It's a case of wait and see.

Barclaycard is not known for swiftness.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi Notts,

 

Thread moved into BC forum.

 

:-)

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Strange thing...I rang them again and they now say I've been sent a letter saying it's been declined. Hmm maybe it's worth a appeal.

Unlikely to succeed I think.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi Notts,

 

Let us know what the letter says when it comes.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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