What is wrong with these people?

As merlin the magician mournfully mumbled his maudlin mantra on 9 Jul

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

Perverse verses, putrid poetry, diabolical doggerel...

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.

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

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.

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

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.