Hi there,
Last year I applied (4 times) for a (basic) credit card and all my requests were declined. They didn't want to give me any reasons.
Note that I earn 34k a year; i m single; i have no debts (not even a mortgage); never overdraft (on the contrary) and have some savings... I thought i was an 'ideal' customer...
i m not irish though (do you think being irish can ne a 'hidden' condition to get one? )
more seriously i really wonder what i should do to finally get a credit card...
cheers
I'm not Irish and wasn't able to get a Credit Card but was able to get a mortgage!
I did eventually - after being here over a year - get a credit card with, I think a limit so low I couldn't do much with and then after 6 months they doubled it to something I could use (for tickets home)
I had the best success with the bank that I also had my current and monthly deposit accounts with.
well i asked for a loan as well (before i applied for a CC) and was refused.only needed a few K to buy a second hand car 4 work.so i borrowed from a relativf.
Have you got a laser card? Perhaps move to Ulster Bank and see if as part of joining they'll give you a visa debit card and this might help with the purchases you need to make as well as giving you a 'record' of using visa.
i did that too:was at BOI but change to ptsb(after 3 refusals).the girt at ptsb said i'd get a cc without any pb but said after 2 weeks 'sorry not possible.head office said no
The banks will flatly refuse to provide reasons for their refusal to provide you with a credit card. However, you have a right to get a copy of your personal information, which will include the reasons for your refusal. You can make a request under Section 4 of the Data Protection Acts 1988-2003, the maximum cost is €6.35.