Hey all

Tried their 'Eligibility Checker' - (soft credit search only, doesn't go on my file) and got rejected.... despite having good income, being a Barclays Premier customer and not missing a payment on any of my current CCs ever.

I do have c £25k on two 0% cards (I have had for donkey's years, keep surfing it at 0%, I use it as my cheap car finance!) - it's not stopped me being accepted for other points/rewards CCs over the years (Amex BAPP, Lloyds Avios, IHG etc) -

Couple of queries for your kind thoughts:
1. do you think the 0% balances would be enough for them to shy away? They are probably at 80% of their credit limit. My other 'spending cards' are never more than 10-20% of credit limit during a month, and get always get cleared in full each month without incurring interest.
2. Has anyone else been rejected by the eligibility checker and ploughed on with a full application and got accepted? Don't want a needless hard search on my credit file :-)

Cheers all

UT