credit card application

roker

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I have a bank account with BOI and a visa card with PTSB, so I thought I would make things easier by applying to BOI for a Visa, don't believe the adverts how quick they are. After filling in the online application I was asked for details they already have, as if they couldn't ask me for everything at once. they wanted to know separately how much my wife and myself receive from the pension(again they have this information because it is deposited into our BOI account monthly) but I cannot give them a breakdown because it is combined into one paymen, they could not tell me what my credit limit would be. At this point I gave up.
Is it because I always pay off fully my PTSB Visa every month? or my age 77yrs?
I will have to continue with the complications of logging on to 2 different online systems which are getting more of a hassle to do
 
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Peanuts20

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in fairness to BOI, you're applying for the credit card, not your wife. Hence asking you how much your pension is is a reasonable question. After all (and sorry to be brutal here) but if your wife were to pass away then I presume your pension would reduce. Could you not take a reasonable guess or check with your pension provider?
 

roker

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in fairness to BOI, you're applying for the credit card, not your wife. Hence asking you how much your pension is is a reasonable question. After all (and sorry to be brutal here) but if your wife were to pass away then I presume your pension would reduce. Could you not take a reasonable guess or check with your pension provider?
Exactly, I am applying for the credit card why do they want my wifes income. It took time to check with the pension provider, but it was going into my account in any case, if my wife passed away they could reduce my credit, I do have other pensioners and it doesn't seem a problem with PTSB Visa
 
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Brendan Burgess

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they could not tell me what my credit limit would be. At this point I gave up.

Why did you give up?

Let it take its course.

If you don't like the limit you get, ask for it to be increased.

You can keep your ptsb card in reserve.

Brendan
 

roker

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it gave me the impression that they were messing me around. They had all the details apart from a breakdown of total of our pensions which I did not have at the time
 

RedOnion

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it gave me the impression that they were messing me around. They had all the details apart from a breakdown of total of our pensions which I did not have at the time
You were applying for credit in your own name, but couldn't tell them your income?
What did you expect? Even if they were willing to offer you the credit, they'd be in breach of central bank rules if they did.
 

peemac

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The issue is probably many staff are working from home and don't have the access to all the information they normally would have and the chances are its been dealt with by a relatively junior member of staff.

If you knew the manager of your branch, give him/her a call and you'll probably find that they can process it the same day as they would have access to all info.
 

RedOnion

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If you knew the manager of your branch, give him/her a call and you'll probably find that they can process it the same day as they would have access to all info.
If I've understood the poster correctly, the bank doesn't have all the information. There's a joint current account, with a single lodgement for both pensions. The poster themselves don't know how much of the payment is theirs, so how would the bank?

In any case, I agree re contacting the bank. They'll get much further by contacting the bank than posting bits of their story on the internet.
 

peemac

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If I've understood the poster correctly, the bank doesn't have all the information. There's a joint current account, with a single lodgement for both pensions. The poster themselves don't know how much of the payment is theirs, so how would the bank?

In any case, I agree re contacting the bank. They'll get much further by contacting the bank than posting bits of their story on the internet.
Yep, I understood that, but a manager can nudge you to give an approx. figure to fill the boxes. :)
 

roker

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If I've understood the poster correctly, the bank doesn't have all the information. There's a joint current account, with a single lodgement for both pensions. The poster themselves don't know how much of the payment is theirs, so how would the bank?

In any case, I agree re contacting the bank. They'll get much further by contacting the bank than posting bits of their story on the internet.
No wrong. The bank already has the information, but they don't need my wife's information because it is for me
 

RedOnion

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No wrong. The bank already has the information, but they don't need my wife's information because it is for me
Sorry, I really don't follow at all now.

You said that you can't separate your pension payment from your wife because it is a single payment. However, the bank has this information already?

Here's your exact quote. I've obviously completely misunderstood you based on your latest post?
they wanted to know separately how much my wife and myself receive from the pension(again they have this information because it is deposited into our BOI account monthly) but I cannot give them a breakdown because it is combined into one paymen
 

Pmc365

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I obtained a Affinity Credit Card from BOI in 2015 with a 6k limit ( which I never used) very easily so they seem to have changed. I cancelled it recently with zero balance and applied to Avant Money. It has been a quite difficult applying to them. I have an excellent credit record.
 

Gordon Gekko

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How does “the bank have the information”?

The fact that something is lodged into your current account doesn’t mean that the bank has anything.

And that’s not how the system works; someone doesn’t manually go through your bank statement and wonder out loud what something might be.
 

PMU

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I obtained a Affinity Credit Card from BOI in 2015 with a 6k limit ( which I never used) very easily so they seem to have changed.
Same here. I had no problems obtaining an affinity MasterCard from BoI (with a 6,000 credit limit) when AIB withdrew Mastercard.
 

roker

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1,773
You were applying for credit in your own name, but couldn't tell them your income?
What did you expect? Even if they were willing to offer you the credit, they'd be in breach of central bank rules if they did.
they knew my income, it all goes into my current account
 

newirishman

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they knew my income, it all goes into my current account
“They” don’t know your income. Bank employees, specifically from separate units like credit card teams, cannot usually just access your current account and have a look; because frankly it is none of their business and apart from that, would also be in breach of regulations - and they wouldn’t have normally access to those systems in the first place.
Also, as other posters said, your current account transactions might neither be clear (in terms of what a transaction is supposed to be), nor does it necessarily provide a full picture of your income.
Furthermore I wonder why you essentially think that bank employees should do the work of figuring out what your income could be, specifically when it already seems to be a lot of work for yourself that you don’t want the hassle of going through.
 

RedOnion

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they knew my income, it all goes into my current account
There might have been a miscommunication with the bank. You'd be shocked at how easily that happens!...

Can you confirm, your sole income is the only money that goes into your sole current account? So your wife's pension doesn't go into your account?
 

roker

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I don't see the point unless there is a minimum earnings to have credit card
 
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