Credit Card Application - referral fee on current a/c

anniem

Registered User
Messages
10
I have applied for a credit card, did an online application, the bank rang to confirm details etc and told me that because I have a referral fee on my current a/c it will have a negative impact on my application but he said he would put through the application anyway. I don't have any credit issues so ICB report will be fine. I have permanent public sector employment so I thought I'd have no hassle getting the card. I don't have a credit card already. Does anyone know how much of an impact the referral fee is likely to have on the application?
 
If referral was a once off explainable issue , you should have no problem.
If you do have an issue , explain what happened and then appeal it to card provider .

What a referral fee appears to show in your case, was you were not watching your account ,rather than a (hard) credit issue.
Its good you have perm public sector work , but that does not mean you necessarily pay your bills ! just that you should be a good mark for a credit card.

Have you a Debit Card from your Bank ? If not get one as it covers most things.
 
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