Looking for credit card

Janine87 · 29-08-2009, 09:49

Hi everyone,

my bank for my laser card is Permanent TSB. Now, I have applied for a credit card(ICE) 2 weeks ago. When I came from holidays this week I found a letter in my post box that I did not meet the terms&conditions for a credit card.

How will I be able to get one?
I started my new full time job nearly 2 months ago. I am with my bank since a year.

Thanks for your help in advance.

**Davy** · 29-08-2009, 11:48

You dont need to get a credit card from the bank you have your current account. 2 months is a very short time in the banks eyes.

Do you need it for the credit, or for the visa for online use? If so you could use Visa debit, with halifax or soon on Ulster banks current accounts. Accepted worldwide anywhere visa is.

If you do want the credit card try some other providers. MBNA might be a good place to start. Let them know that you are willing to have a low credit limit.

Janine87 · 29-08-2009, 14:44

Its only for online use in general because every time I wanna order things online ie amazon I cant do it because my Laser card(maestro) doesnt have a issue number. Via debit sounds good. I try both! Thanks a lot!

daithijjj · 30-08-2009, 14:48

Hello janine. Im presuming you are in sligo

I closed my account with PTSB on o'connell street because i wanted a visa debit from halifax. Go into the halifax on grattan street and they will give you a visa debit within a week of opening a current account. Bring a utility bill and photo id. Good luck.

**Scien** · 01-09-2009, 09:21

I've gotten refused for an ICE card twice now in the space of 2 months.
I couldn't believe it as i've had a steady (albeit low) income for the past year. I also had a loan with TSB which i never missed a payment.
I guess they are just not giving credit anymore.

So, one can apply to another branch for a Credit Card even if they don't have an Account there? Can someone give me more details please?

Thanks.

Toots* · 01-09-2009, 18:01

You can apply anywhere else. They may (probably will) want to see statements of your account so they can assess your suitability but it's definitely possible to have our account with bank X and your credit card with bank Y.

29-08-2009, 09:49	#1
Janine87 Registered User Join Date: Apr 2009 Location: Sligo Posts: 160 Adverts \| Friends	Looking for credit card Hi everyone, my bank for my laser card is Permanent TSB. Now, I have applied for a credit card(ICE) 2 weeks ago. When I came from holidays this week I found a letter in my post box that I did not meet the terms&conditions for a credit card. How will I be able to get one? I started my new full time job nearly 2 months ago. I am with my bank since a year. Thanks for your help in advance.

29-08-2009, 11:48	#2
Davy Moderator Join Date: Apr 2007 Location: Ireland most of the time Posts: 7,035 Adverts \| Friends Mod: Bargain Alerts	You dont need to get a credit card from the bank you have your current account. 2 months is a very short time in the banks eyes. Do you need it for the credit, or for the visa for online use? If so you could use Visa debit, with halifax or soon on Ulster banks current accounts. Accepted worldwide anywhere visa is. If you do want the credit card try some other providers. MBNA might be a good place to start. Let them know that you are willing to have a low credit limit. __________________ .......... Need to know how to change your product code to upgrade to the latest software on your Nokia? Nokia N97 Nokia 5800

01-09-2009, 09:21	#5
Scien Moderator Join Date: Sep 2006 Location: Dublin City. It's not Cork. Posts: 6,150 Adverts \| Friends Mod: Cork County, Cork IT	I've gotten refused for an ICE card twice now in the space of 2 months. I couldn't believe it as i've had a steady (albeit low) income for the past year. I also had a loan with TSB which i never missed a payment. I guess they are just not giving credit anymore. So, one can apply to another branch for a Credit Card even if they don't have an Account there? Can someone give me more details please? Thanks. __________________ Blog: Oggy Oggy Oggy!\|~\|~\|Wanted: Mumford & Sons Ticket(s) Wanted: Weekend Dara O'Briain Tickets \|~\|~\| Musical Twitter Last edited by Scien; 01-09-2009 at 14:47.

01-09-2009, 18:01	#6
Toots* Moderator Join Date: Oct 2007 Location: Dublin Posts: 3,251 Adverts \| Friends Mod: Banking & Insurance & Pensions	You can apply anywhere else. They may (probably will) want to see statements of your account so they can assess your suitability but it's definitely possible to have our account with bank X and your credit card with bank Y. __________________ My Dragons! . Mancore Official Pina Colada who likes covering puppies in chocolate of the T&P Forum Got a question about Banking, Insurance or Pensions? Ask here.

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29-08-2009, 14:44	#3
Janine87 Registered User Join Date: Apr 2009 Location: Sligo Posts: 160 Adverts \| Friends	Its only for online use in general because every time I wanna order things online ie amazon I cant do it because my Laser card(maestro) doesnt have a issue number. Via debit sounds good. I try both! Thanks a lot!

30-08-2009, 14:48	#4
daithijjj Registered User Join Date: Nov 2008 Location: Sligo/Dublin/Birmingham/Bristol Posts: 1,444 Adverts \| Friends	Hello janine. Im presuming you are in sligo I closed my account with PTSB on o'connell street because i wanted a visa debit from halifax. Go into the halifax on grattan street and they will give you a visa debit within a week of opening a current account. Bring a utility bill and photo id. Good luck.