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What is wrong with these people?

I just emailed More Than asking them what the minimum income would be to get a credit card and whether 12 months of statments showing that I pay my balance off in full on time every month would make a difference to a decision and all they will give me is:

"Please logon to

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and apply online. Your application will be credit scored and a decision will then be given. I cannot confirm if your application would be accepted or declined at the moment."

What sort of customer service is this? All I wanted was an answer to a simple question. I don't want to waste my time and have another credit search on my file if I'm simply earning too little.

Reply to
Marx Peterson
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As merlin the magician mournfully mumbled his maudlin mantra on 9 Jul

2004 07:35:23 -0700, snipped-for-privacy@yahoo.com (Marx Peterson) was manifested, bearing a manuscript message:

Go somewhere else. They can't *all* be so stupid.

Perverse verses, putrid poetry, diabolical doggerel...

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Reply to
Tiddy Ogg

Best keep quiet about this last bit! They want customers who *don't* pay in full so they can earn fat rates of interest off them.

Reply to
Adrian Boliston

As a response, it is a little impersonal. But I wonder how important personal income is to the application decision. If accepted for a card, only then will income be used to set an initial credit limit.

Morethan, like any financial company, will refer to a credit checking agency, such as Equifax, to credit score prospective customers. They can't get a rating without supplying all the information that the credit checking agency ask for. So I guess you're original question was one they could were unable to answer.

Si

Reply to
Simon

difference

I only work part time (earning just under £5,000) but I'm good with my finances and I don't spend what I don't have. The past two credit cards I've applied for have been turned down, the first didn't say why, the other (which was also part of Accucard) specifically gave me the reason that I wasn't earning enough, I can only assume that was the reason my first application was turned down.

I've since found out myself that Accucard require a minimum income of £5,500, surely customer "care" could have managed to tell me that instead of sending back a canned responce.

Reply to
marxpeterson

They may not know, they just enter the details and its all credit scored by anothre company.

Reply to
Tumbleweed

Maybe so but if customer services don't know whats going on in their own company then I don't rate that company very highly.

Reply to
Marx Peterson

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