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Postbank credit card

  • 03-09-2009 12:35am
    #1
    cmul100
    Closed Accounts Posts: 19 ✭


    Hi all,

    Just wondering if anybody else here has applied and got the new postbank/mbna credit card? I applied and got one in the post without having to send in any documentation whatsoever which i think is ridiculous! Is it a similar story with the ryanair one as well? Must be an mbna thing.


Comments

  • #2
    BuffyBot
    Registered Users, Registered Users 2 Posts: 24,924 ✭✭✭✭BuffyBot


    I'm pretty sure it's how MBNA do things - they check on the basis of ICB, bank details, electoral rolls etc.

    I'm guessing as they technically operate out of the UK they don't feel obliged to be as stringent about things as the institutes based here are being subject to the Irish money laundering legislation.


  • #3
    gagalina
    Registered Users, Registered Users 2 Posts: 104 ✭✭gagalina


    that's weird - I had to send in all the documentation (proof of address, 3 months bank statements, etc...) and in the end they refused to give me a credit card and apparently they are not obliged to tell why they refused the card.
    So quite amazed you got one that easily...


  • #4
    cmul100
    Closed Accounts Posts: 19 ✭cmul100


    So was I. I did get a phone call from someone in mbna saying that they had checked my credit history and that there shouldn't be a problem. And the card came a week later. Maybe they randomly choose who to ask for documentation and you just got unlucky.


  • #5
    Slice
    Closed Accounts Posts: 1,133 ✭✭✭Slice


    gagalina wrote: »
    that's weird - I had to send in all the documentation (proof of address, 3 months bank statements, etc...) and in the end they refused to give me a credit card and apparently they are not obliged to tell why they refused the card.

    They are obliged to tell you why if you just requested the information under the freedom of information act. However, financial institutions are generally quite reluctant to disclose their credit scoring criteria I find.


  • #6
    BuffyBot
    Registered Users, Registered Users 2 Posts: 24,924 ✭✭✭✭BuffyBot


    that's weird - I had to send in all the documentation (proof of address, 3 months bank statements, etc...)

    If they cannot verify a customer in other ways, I'm sure they would fall back on the more traditional route.
    They are obliged to tell you why if you just requested the information under the freedom of information act. However, financial institutions are generally quite reluctant to disclose their credit scoring criteria I find.

    The Freedom of Information Act does not apply to banks.

    You may be thinking of Data Protection Act, which allows you a copy of the data the banks hold on you - but that data won't nessecarily have a big "This is why this person was declined for a card" stamped ac


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