F
F.A.S.H.
Guest
Ok
I graduated last year from college. Am earning 25000 a year in a steady job, which i have a contract for.
In my second year in college i had an overdraft with BOI of 300, which i paid off after recieving a letter from them.
Ive banked with AIB for the last 3 years ( my wages go directly into the bank since january), and never had an overdraft or anything, but they stilll wont give me a credit card. And i am terrified of asking for a car loan, if they wont even give me a credit card!!
I know this has something to do with the overdraft, as it would be on my credit history.
How would i resolve this issue? and is it true that each time you apply for a credit card and get denied this goes on your history?
Thanks
I graduated last year from college. Am earning 25000 a year in a steady job, which i have a contract for.
In my second year in college i had an overdraft with BOI of 300, which i paid off after recieving a letter from them.
Ive banked with AIB for the last 3 years ( my wages go directly into the bank since january), and never had an overdraft or anything, but they stilll wont give me a credit card. And i am terrified of asking for a car loan, if they wont even give me a credit card!!
I know this has something to do with the overdraft, as it would be on my credit history.
How would i resolve this issue? and is it true that each time you apply for a credit card and get denied this goes on your history?
Thanks