2013-09-07

Earlier I used Barclaycard's pre-checker, it came up with two cards I could apply for. For the Reward card it said 'very good chance' then on their more basic card the Initial it said Excellent chance.

Here are the results from the pre-checker?

]The results of your pre-application check show it’s likely you’re eligible for a Barclaycard.

Here are the cards that could be available to you:

Representative Example Balance

Transfer Rate Purchase

Rate Likelihood to be accepted
Barclaycard Freedom Rewards purchase card

Why is it suitable for me?

0% interest on balance transfers and purchases for 14 months (2.9% transfer fee applies)

Barclaycard - Summary Box

- Balance Transfer Terms & Conditions

Representative APR

18.9% (variable)

Purchase rate p.a.

18.9% (variable)

Assumed credit limit £1,200 Interest rate

0%

Duration

(from account opening)

14 months

Handling fee

2.9% Interest rate

18.9%

Duration

(from account opening)

14 months Very Good

Chance

Apply

Barclaycard Initial Credit Card

Why is it suitable for me?

0% interest on purchases for 3 months from account opening

Barclaycard - Summary Box

Representative APR

34.9% (variable)

Purchase rate p.a.

34.9% (variable)

Assumed credit limit £1,200 Interest rate

34.9%

Duration

(from account opening)

3 months Excellent

Chance

Apply

Terms and Conditions

The cards shown above have been selected as the most suitable choice for you based on a high-level check of your credit record and the additional information you have provided. This does not constitute an offer of credit and you may be declined once a full assessment of your application has been completed. This scoring method only applies to Barclaycard, as other companies may use different scoring methods.

Anyway, I went a head and I waited a while and got 2 responses, one said due to technical problems my application had been saved.

And would be looked at within 5 working days.

The second response said:

Due to technical issues, your application details have not been saved. Please re-apply again?

But checked on Equifax they have done a full credit search.

I have screenshots but can't load them on, sorry not too technical myself!

Anyone else had these conflicting messages?

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