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Will card refusal smear my credit record?


Dear James,


have tried to apply for a credit card with Tesco and been turned down.  I may have applied too soon because I only cancelled my last card with them eight months ago and I've heard it has to be at least 12 months after. I had thought it was six. Will that go on my credit rating as it’s not to do with bad credit??



Sacha, Lancing


Dear Sacha,

Being refused credit does not directly damage your credit rating because the outcome of any credit applications you make isn't even registered on your credit report. What is recorded is the fact you've applied for credit. What you should certainly avoid doing is making multiple credit applications within a short space of time. This may suggest you're finances are under pressure or even that fraud is taking place. If you're transferring balances from card to card, taking advantage of introductory promotions, then you may find that some lenders do have rules about how soon you can re-apply for one of their cards. I don't think there are industry standards on this though so your best bet is to check the provider's website or literature before applying, to save wasted applications. If you access your credit report through our CreditExpert service we can match your credit history to offers you're more likely to be accepted for, which you may find helpful. You will still need to check that you’re not falling foul of the lender's rules for returning customers though.

James Sign

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