ChatterBank3 mins ago
Can't Get Credit - Ridiculous
12 Answers
Hi,
I lived in France from early 2002 until 2015. Before I went I cancelled my Barclaycard (held for over 15 years) because it would be awkward to administer (post etc.). Never forfeited any debts, always paid my bills.
Now back in UK and I can't get credit! I am 67. Decided it would be very handy as I am older, living on pensions and could need credit if a big bill arises.
I tried for a credit with Debenhams and was turned down, with a caveat that I could contact them. I did so and explained the situation and received a letter with a code, which they said, would ensure that I could get a credit card with them and they accepted my bank balance etc... About 6 weeks later I tried to buy something and presented this letter and code - to be told it was out of date (there was no cut off date on letter) - so I was turned down again! That is 2 black marks against me! I have never defaulted on anything in my life! How do I get credit with a 15 yr.blank?
I lived in France from early 2002 until 2015. Before I went I cancelled my Barclaycard (held for over 15 years) because it would be awkward to administer (post etc.). Never forfeited any debts, always paid my bills.
Now back in UK and I can't get credit! I am 67. Decided it would be very handy as I am older, living on pensions and could need credit if a big bill arises.
I tried for a credit with Debenhams and was turned down, with a caveat that I could contact them. I did so and explained the situation and received a letter with a code, which they said, would ensure that I could get a credit card with them and they accepted my bank balance etc... About 6 weeks later I tried to buy something and presented this letter and code - to be told it was out of date (there was no cut off date on letter) - so I was turned down again! That is 2 black marks against me! I have never defaulted on anything in my life! How do I get credit with a 15 yr.blank?
Answers
Try going for one of the credit cards to build rating. They do a soft credit check so you will know in advance if you will get accepted, get one use it pay it off and everytime you do it will increase your credit worthiness.
22:32 Tue 17th Jan 2017
This is one of the cards which offer credit to higher-risk applicants - look at the interest rate - but if you pay off in full each month this is irrelevent. Best of luck!
https:/ /www.va nquis.c o.uk
https:/
As others have said, getting a 'credit building' card should help. They charge horrendous rates of interest but that won't matter if you pay back in full each month. Once other lenders can see that you don't go mad with your card, you're far more likely to be accepted for an 'ordinary' card.
The most well-known are Vanquis (as above) and Capital One (which I've used myself):
http:// www.cap italone .co.uk/ creditc ards/cl assic-m asterca rdTC53. jsf
Other options here:
http:// www.mon eysavin gexpert .com/cr edit-ca rds/bad -credit -credit -cards
The most well-known are Vanquis (as above) and Capital One (which I've used myself):
http://
Other options here:
http://
jourdain; I'm probably missing the point here, but are you saying your 'long-standing' bank won't give you a credit card? if so, go somewhere else;
https:/ /transf erwise. com/gb/ blog/ho w-to-op en-a-ba nk-acco unt-in- uk
https:/
Sign up to Clearscore for free credit score checks, to see if there is something on your record that is incorrect.
Clearscore will also start offering you credit card deals.
https:/ /www.cl earscor e.com/
Clearscore will also start offering you credit card deals.
https:/