Ive been a regular visitor since I discovered the site a couple of months ago. It's an excellent source of information-thank you to all the regular contributors.
Just wondering if anyone knows any specifics about credit scoring. I've just been turned down by Tesco for one oftheir 0% interest (introductory offer) credit cards. Now, I'm not really that bothered about not getting the card- I can wait a few months and save for what I want. I'm more concerned about WHY I was refused- I've a decent salary (70k+), a very manageable mortgage, no other loans. My existing cards are paid off in full every month. I applied for and received a 0% card from Ulster Bank last year no problem, on which I put up over 6k and paid back before the interest-free period expired.
Should I be concerned that my credit history is not in order (due to e.g. a bank admin error) and check its accuracy with the ICB?
Just wondering if anyone knows any specifics about credit scoring. I've just been turned down by Tesco for one oftheir 0% interest (introductory offer) credit cards. Now, I'm not really that bothered about not getting the card- I can wait a few months and save for what I want. I'm more concerned about WHY I was refused- I've a decent salary (70k+), a very manageable mortgage, no other loans. My existing cards are paid off in full every month. I applied for and received a 0% card from Ulster Bank last year no problem, on which I put up over 6k and paid back before the interest-free period expired.
Should I be concerned that my credit history is not in order (due to e.g. a bank admin error) and check its accuracy with the ICB?