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Besides I'd find appealing embarrassing as I do know the manager well and wouldn't enjoy appealing for access to a relatively small amount of credit (€1000-1500).
Appeal to BOI or just apply to another CC provider. (Only applied to BOI so as to set up the CC with 365online and have all my dealing with one Bank)
This could be the nub of your problem. Did you miss any payment on the CC at any stage ? Why did you combine the two ? If it was becuase you felt it was easier to pay back one installment or that your CC was too maxed then this does not give an indication that you are well ahead of your financial plannings (in their opinion). Of course I am making an assumption here so don't jump on me if I'm all wet.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.
This could be the nub of your problem. Did you miss any payment on the CC at any stage ? Why did you combine the two ? If it was becuase you felt it was easier to pay back one installment or that your CC was too maxed then this does not give an indication that you are well ahead of your financial plannings (in their opinion). Of course I am making an assumption here so don't jump on me if I'm all wet.
Just an update, I got my ICB Report (All Good) and still haven't heard from BOI.
Any opinions on what to do next??
Appeal to BOI or just apply to another CC provider. (Only applied to BOI so as to set up the CC with 365online and have all my dealing with one Bank)
CC was around 2300 with a max of 2500. Combined the two so as not to pay 16% on the 2300 which seems to be a better option but the bank might see this as running up CC debt and just borrowing again to pay it off.
My bank loved me doing that. At the time they were also the ones making money off the interest on the credit card that they were probably fairly sure I would start using again anyway. As long as I didn't fall into arrears it was win-win for the bank.
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