Why was I turned down for a credit card from one provider but not another?

turned down for a credit card from one provider

turned down for a credit card from one provider
turned down for a credit card from one provider

 

 

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Hi,

Basically, I recently applied for the Barclaycard Reward Credit Card and was denied at the pre-approval stage.

I was disappointed because I have an AMEX card with a high allowance of £15K that I have had for a lot of years.

 

Experian determined that my credit score was good, not that this garbage matters.

 

Anyway, I apply for the Halifax Clarity Credit Card and am almost immediately approved and set up with an account.

 

The question is, why was I turned down for a credit card by Barclays but not by Halifax despite completing all of the requirements?

 

Thanks

 

CANDID ADVICE

If the Amex is a charge card rather than a credit card, this will be a consideration because it does not provide a line of credit.

Don’t think of it as “fulfilling the requirements” because you never know what the real requirements are, on top of the criteria you must meet merely to apply. If you have a £15k credit line on your Amex card, for example, Barclaycard may consider it too hazardous.

Different lenders will have different requirements in addition to the standard ones (like no CCJs, UK address history etc).

Just be careful not to overextend the credit you have available. That’s a lot of unsecured credit to get your hands on, and lenders for other goods like mortgages don’t necessarily appreciate it. turned down for a credit card from one provider 

No, the AMEX card is a regular cashback credit card.

The main reason I applied for another credit card was to use it internationally for Section 75 protection and to rent cars if necessary.

Take nothing personally. Nobody outside of the bank’s employees knows for sure. Every bank has its own criteria for deciding whether or not to give someone a credit card, which can include the bank’s own targets, priorities, and even marketing strategy – for example, Halifax may be desperate to increase their market share in your area, so they will give a card to anyone, whereas Barclays is concerned about the impending recession and is hesitant to give out cards for fear that new customers will be unable to keep up payments. It’s pretty pointless to think about it too much.

No way, I’m not going to take it personally; if anything, it’s their loss.

I merely wanted another credit card so I could use it abroad; I was thinking using the Barclays savings account and so on if they had accepted my credit card application, but clearly the about £20K savings I will receive shortly are not required by them:)

 

Working as a freelancer in the United Kingdom yet being paid in USD

 

Hi all!

My partner is a journalist/editor who recently accepted a job offer from a pretty amazing US-based company.

She’s ecstatic about the offer, but the contract states that she’ll be paid in USD rather than GBP, and she’s scared about losing money during the conversion or something.

Is this something to be concerned about, or is the conversion loss quite minor?

Thank you very much!

 

CANDID ADVICE

 

Create USD and GBP accounts with Revolut or a comparable service. Transferring USD to GBP is free of charge at the interbank rate. Transfer the GBP from Revolut to your regular current account for free.

If you haven’t previously, see if a w8-ben form is required. If it’s simple, the contractor fills it out and submits it to the IRS. It informs the IRS that the corporation is not required to sort taxes and that the contractor will do so in the UK.

When it came to converting money to GBP, Wise was and still appears to be the finest option. I’m not sure if it’s related to the amount being transferred or if it’s more of a set cost, but I spend around $17 to convert $4000 into GBP. It only takes a few seconds, and they offer the greatest exchange rates. They also offer a referral code bonus, but I pledge not to recommend them because of that.

Shh! Everyone will be envious!

The answer is determined by your bank. Some will charge up to 2% to convert dollars to pounds. Typically, the recommendation is to register an account with a provider such as Revolut or wise.com (the latter is what I myself have used in the exact same situation as your partner). This makes it easier for the client to pay because they don’t have to make an overseas transfer; it’s as if your partner has a bank account in the United States. Furthermore, the conversion rates and fees are lower than those charged by banks.

I did this with Revolut when I was paid in EUR in 2018/2019, however fees may have increased since then.

However, there was another issue:p

In terms of transfer,

At the moment, there will be no loss.

 

 

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turned down for a credit card from one provider

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