Here are some tips for
when you apply for credit cards:
1. If possible I would advise that you get a copy of your
credit file first to ensre that everything is in working order.
2
. Ensure that you enter all your details correct, failure to do this
could result in a black mark against your
credit file.
3. Its always worth checking and comparing credit cards APR, If you
have had credit before then it maybe worth trying a more popular card with
a good
interest
rate, if your new I would advise trying to get the credit cards which may not
offer the best interest rate but will help to build your credit
rating
4. One very important part which is also sometimes hard to control is the amount
of credit searches on your credit file, everytime that a company searches your
credit file a footprint is left with details of the company that searched your
credit file. I would reccomend that you try and keep the amount of searches
on your credit file to about 3-5 per month.
5. One important check that is made is to see if you are registered on the
electoral roll, this is a good way to check to see if you are able to vote.
Companies use this information to validate that you do live at your address,
remember the credit card companies are assesing the credit risk so everything
that validates who you are is a good mark against your application.
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