I was looking to apply for a new 0% card as my existing deal is coming to and end. The best option looked like Fluid as I've already got a Tesco card and had a Halifax card before that so would be unlikely to be accepted again.
I went though their pre-application process but was told I didn't qualify. I then went on to the MSE checker and was told it couldn't find any records for me.
I've never had a credit problem in the past but I wonder if a choice I made about 6 months back may have come to haunt me...
I was made redundant late last year. Got a new job no problem but too far from the house that I own to commute. My fiancee is moving to the UK to join me very shortly so it seemed more sensible to rent something short-term then look to buy once we were settled and could choose together, while renting out the house I own.
Could the reason I'm being refused be because I'm now applying as a tenant rather than as a home owner?
If so, would it make any difference to talk to the companies over the phone and explain that I do own a house, or would that not make any difference to them?
Alternatively, as I still own the house in Stockport, could I apply using that address and once I get the card change the address, or would they do a new credit search based on my new address and terminate the card?
Is there anything else I could do to boost my credit score to have a chance of getting one of these deals? In many ways you'd have thought I'd be a better risk now than before as the new job came with a fairly hefty payrise and I had no trouble getting 0% cards before...
I went though their pre-application process but was told I didn't qualify. I then went on to the MSE checker and was told it couldn't find any records for me.
I've never had a credit problem in the past but I wonder if a choice I made about 6 months back may have come to haunt me...
I was made redundant late last year. Got a new job no problem but too far from the house that I own to commute. My fiancee is moving to the UK to join me very shortly so it seemed more sensible to rent something short-term then look to buy once we were settled and could choose together, while renting out the house I own.
Could the reason I'm being refused be because I'm now applying as a tenant rather than as a home owner?
If so, would it make any difference to talk to the companies over the phone and explain that I do own a house, or would that not make any difference to them?
Alternatively, as I still own the house in Stockport, could I apply using that address and once I get the card change the address, or would they do a new credit search based on my new address and terminate the card?
Is there anything else I could do to boost my credit score to have a chance of getting one of these deals? In many ways you'd have thought I'd be a better risk now than before as the new job came with a fairly hefty payrise and I had no trouble getting 0% cards before...