L
lidi
Guest
Hi everyone
would appreciate any advise.
Just been declined for a credit card (€1500-clear card) from BOI who I've banked with since I was a teenager.
Im 28, and in full time employment in the public sector earning C. €45,000 p.a gross
I had a small car loan 5 years ago of €5000 and then got a credit card €2300.
Then combined these to get rid of the CC.
The "New loan" was due to be paid in Dec 2012 but I made an effort and paid it off 6 months early and have been debt free since. I've continued in this vain and began saving the extra money with a view to getting a mortgage in 2/3 years.
I then decided to apply for BOIs clear card with a €1500 limit just to book flights, online shopping etc.
I learned today that the application was declined and am seriously annoyed about it, If I can't get a small CC what chance have with any serious dealing with them in future??
Should I move my business to another bank, have heard Ulster bank are good.
would welcome any feedback.
would appreciate any advise.
Just been declined for a credit card (€1500-clear card) from BOI who I've banked with since I was a teenager.
Im 28, and in full time employment in the public sector earning C. €45,000 p.a gross
I had a small car loan 5 years ago of €5000 and then got a credit card €2300.
Then combined these to get rid of the CC.
The "New loan" was due to be paid in Dec 2012 but I made an effort and paid it off 6 months early and have been debt free since. I've continued in this vain and began saving the extra money with a view to getting a mortgage in 2/3 years.
I then decided to apply for BOIs clear card with a €1500 limit just to book flights, online shopping etc.
I learned today that the application was declined and am seriously annoyed about it, If I can't get a small CC what chance have with any serious dealing with them in future??
Should I move my business to another bank, have heard Ulster bank are good.
would welcome any feedback.