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Refused Credit card from BOI

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  • 09-02-2012 10:45pm
    #1
    fire_man
    Registered Users Posts: 977 ✭✭✭


    I was refused BOI Credit card ,I have about 10k in my savings,i have fulltime job.Why would i be turned down,What can i do now?Can i appeal this?thanks


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    #2
    Jet Black
    Registered Users Posts: 3,842 ✭✭✭Jet Black


    It could be an automated decline. Which means it wasn't looked at and the computer just turned it down. I've was declined a loan with them despite clearing my previous loan early, a good credit history, job and savings. I went with another bank and got it within a couple of days. They seem to have a stricter lending policy then others. Try appeal it then try somewhere else.
    You could try a visa debit card as they are accepted as much as a credit card.


  • Options
    #3
    patwicklow
    Registered Users Posts: 1,937 ✭✭✭patwicklow


    Or get a prepaid credit card and save being ripped off by them


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    #4
    Paddy@CIRL
    Registered Users Posts: 1,899 ✭✭✭Paddy@CIRL


    Talk to someone in your local branch. I had a similar issue where they would have had no reason to refuse me but did anyways, a chat in-branch and they re-submitted my application with a supporting letter and I got one not long after that.


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    #5
    fire_man
    Registered Users Posts: 977 ✭✭✭fire_man


    Thanks


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