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Applying for a credit card

  • 06-04-2015 10:39am
    #1
    dan185
    Registered Users, Registered Users 2 Posts: 769 ✭✭✭


    I recently applied for a credit card with tesco that was rejected.

    On the back of that I requested my credit report from the ICB and it's perfectly clean, shows just one loan that has been paid off in full.
    I earn over €27k a year in full time employment.
    I noticed I wasn't on the register of electors so I have sorted this and have been added to the supplement and can vote (however this doesn't show when searching online, only confirmed via phone)

    I'm wondering if anyone can shed any light on why it may have been rejected and whether I'm likely to have more success with another application to a different institution? Any suggestions on which institution?

    I have bank accounts with AIB (main account) and Ulster Bank, however I'm considering moving it all to Permanent TSB.

    Thanks in advance.


Comments

  • #2
    Delta2113
    Registered Users, Registered Users 2 Posts: 2,799 ✭✭✭Delta2113


    Move to PTSB for current account -no brainer and you can then apply for a credit card and if they don't give you one stay with them for current account and try KBC for credit card.


  • #3
    Mrs OBumble
    Registered Users, Registered Users 2 Posts: 26,295 ✭✭✭✭Mrs OBumble


    The electoral roll was probably the problem.

    Why are you going for a CC with a retailer, rather than with whoever you regularly bank with? It's a lot easier with the, because they know your salary.


  • #4
    dan185
    Registered Users, Registered Users 2 Posts: 769 ✭✭✭dan185


    Mrs OBumble wrote: »
    The electoral roll was probably the problem.

    Why are you going for a CC with a retailer, rather than with whoever you regularly bank with? It's a lot easier with the, because they know your salary.

    I anticipate spending €1k a month on the card (for work expenses) so the clubcard reward scheme was the main reason.


  • #5
    whatawaster
    Registered Users, Registered Users 2 Posts: 12,910 ✭✭✭✭whatawaster


    I also recently applied for a Tesco CC and was turned down.

    My salary is €53K and I afterwards requested my ICB report which was clean.

    I reckoned it was to do with me changing jobs in January, but apparently Tesco can be difficult to get approval from


  • #6
    KoolKid
    Moderators, Home & Garden Moderators, Technology & Internet Moderators Posts: 24,789 Mod ✭✭✭✭KoolKid


    I have a Tesco CC & a BOI. The BOI has a much higher limit & was much easier to get.


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  • #7
    dan185
    Registered Users, Registered Users 2 Posts: 769 ✭✭✭dan185


    I got approval with permanent tsb with no problems. Thanks all.


  • #8
    Mezcita
    Registered Users, Registered Users 2 Posts: 2,328 ✭✭✭Mezcita


    dan185 wrote: »
    I got approval with permanent tsb with no problems. Thanks all.

    Dan, if you don't mind me asking, how much of a limit did TSB give you on the card?


  • #9
    dan185
    Registered Users, Registered Users 2 Posts: 769 ✭✭✭dan185


    Mezcita wrote: »
    Dan, if you don't mind me asking, how much of a limit did TSB give you on the card?

    I only applied for the minimum 1000


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