Nationwide CC

I recently applied for a Nationwide BS Credit Card, I have no adverse credit, earn a vg salary, own home etc. My other CC has an outstanding balance of 5000 which I intended to transfer to the Nationwide card. My credit file shows no credit history at all.
They told me that they would give a decision within 5 working days. Does this mean that I will be declined? as they advertise an online decision.
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Richard Boyce
I just applied for a FlexAccount with Nationwide and got offered a credit card as well with a limit of 3.6K. Paperwork is on it's way in the post for signing.
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Is your address simple? For example 5 High Street, Newtown, AB1 2CD
I used to live at an address which was more like: 2 Olde Cottages, High Street...
This would never go straight through on the credit checking computer, however they spelt Olde. As a result I always had to wait.
It worked out well though - when I had to wait for my mobile phone contract to be approved they gave me international roaming and removed the international barring immediately - without a deposit.
Since I moved (just over a year ago) it has not been much of a problem - however one CC company was not able to give online approval - I assume because they were checking this address by hand. I was "referred to the underwriters". Approval came through in about 5 days by post - and it was the highest credit limit I have been offered all year.
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If you have applied online:
a) It will take about a week to get the paperwork back to you [ signature for the CC agreement ]. Then a week for the card to arrive with Credit Limit. Then the PIN later.
b) If you go online ( banking online - not the NWide website), there is a box at the top "Apply Online". This will update the progress of your application. However, information is sparse.
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The on-line decision was to ask you to wait for a decision!
e.g. Ing Direct currently advertise that you can open a savings account on-line in minutes. This must be bull**** as they will need to see proof of ID and address to comply with anti money laundering regulations.
Reply to
Jeremy Goff
They use the credit scoring system to check the electoral role, and setting up a direct debit checks you have a bank account in the correct name.
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