Lloyds Avios credit cards
Dec 12, 2011, 4:22 am
#121
Join Date: Mar 2008
Posts: 23
Rejected
Got a letter in the post this morning saying that i was rejected. Got a feeling that Raffles is right and that someone that pays of all there credit at the end of the month is not that interesting to them.
Is it worth appealing? My statements would provide evidence of a decent income and savings but would that be enough or would i still get rejected?
Would it be worth my wife applying instead? Or do they look at the household or the individual?
Is it worth appealing? My statements would provide evidence of a decent income and savings but would that be enough or would i still get rejected?
Would it be worth my wife applying instead? Or do they look at the household or the individual?
Dec 12, 2011, 4:31 am
#122
Join Date: Mar 2006
Posts: 420
Got a letter in the post this morning saying that i was rejected. Got a feeling that Raffles is right and that someone that pays of all there credit at the end of the month is not that interesting to them.
Is it worth appealing? My statements would provide evidence of a decent income and savings but would that be enough or would i still get rejected?
Would it be worth my wife applying instead? Or do they look at the household or the individual?
Is it worth appealing? My statements would provide evidence of a decent income and savings but would that be enough or would i still get rejected?
Would it be worth my wife applying instead? Or do they look at the household or the individual?
Dec 12, 2011, 4:38 am
#123
Suspended
Join Date: Jul 2010
Location: UK
Programs: Mucci, BAEC (Silver), FlyBe
Posts: 1,649
FWIW, I applied for a one of these cards (well, two of them - but we're not interested in the Mastercard 
) in my gf's name. By virtue of the fact that she was always discouraged from taking out credit cards, she doesn't have much of a credit history. Perhaps for that reason, she was accepted.
) in my gf's name. By virtue of the fact that she was always discouraged from taking out credit cards, she doesn't have much of a credit history. Perhaps for that reason, she was accepted.
Dec 12, 2011, 4:41 am
#124
FlyerTalk Evangelist
Original Poster
Join Date: Feb 2009
Location: From ORK, live LCY
Programs: BA Silver, EI Silver, HH Gold, BW Gold, ABP, Seigneur des Horaires des Mucci
Posts: 14,216
Got a letter in the post this morning saying that i was rejected. Got a feeling that Raffles is right and that someone that pays of all there credit at the end of the month is not that interesting to them.
Is it worth appealing? My statements would provide evidence of a decent income and savings but would that be enough or would i still get rejected?
Would it be worth my wife applying instead? Or do they look at the household or the individual?
Is it worth appealing? My statements would provide evidence of a decent income and savings but would that be enough or would i still get rejected?
Would it be worth my wife applying instead? Or do they look at the household or the individual?
Dec 12, 2011, 4:45 am
#125
Join Date: Dec 2010
Location: NJ, USA
Posts: 470
As this offer is on until the end of February 2012 I'm going to apply as soon as I've hit the 2 for 1 on my BA PP card which should be mid January. Got a few big expenses in February (train season ticket and car warranty renewal) which would give me over 50,000 Avios alone, ignoring Avios earned on normal day to day spend.
Dec 12, 2011, 4:48 am
#126
Join Date: Mar 2011
Location: GLA
Programs: BAEC
Posts: 216
Got a letter in the post this morning saying that i was rejected. Got a feeling that Raffles is right and that someone that pays of all there credit at the end of the month is not that interesting to them.
Is it worth appealing? My statements would provide evidence of a decent income and savings but would that be enough or would i still get rejected?
Would it be worth my wife applying instead? Or do they look at the household or the individual?
Is it worth appealing? My statements would provide evidence of a decent income and savings but would that be enough or would i still get rejected?
Would it be worth my wife applying instead? Or do they look at the household or the individual?
Having said that, both my wife and I were rejected and we both have a good history and a good income. All a bit strange (and annoying, as we could have earned a nice pile of Avios). Can't see the point in appealing, but do let us know if you do have any success.
Dec 12, 2011, 5:01 am
#127
Join Date: Mar 2008
Posts: 23
They may look at household income, but each person has their own credit rating and decisions, in theory, would be taken on that.
Having said that, both my wife and I were rejected and we both have a good history and a good income. All a bit strange (and annoying, as we could have earned a nice pile of Avios). Can't see the point in appealing, but do let us know if you do have any success.
Having said that, both my wife and I were rejected and we both have a good history and a good income. All a bit strange (and annoying, as we could have earned a nice pile of Avios). Can't see the point in appealing, but do let us know if you do have any success.
I post the outcome if i decided to appeal
Dec 12, 2011, 5:27 am
#128
Join Date: Apr 2005
Location: E14
Programs: BA GGL, Marriott, IHG, Sirius, Dusit, Thai, Virgin, Hyatt, BAA, AS, AA(both)
Posts: 1,240
Dec 12, 2011, 8:36 am
#129
Join Date: Oct 2007
Posts: 4,648
I have a Plat, an SPG and a BA PP. I received a letter last week that said "introducing the perfect companion to your platinum card", offering me a Platinum credit card with 3000 bonus MR points after spending £500 in the first 3 months. Not a really big deal, but potentially 3000 Avios for nothing so I thought I may as well apply. However, even though Amex have invited me to apply, is it likely that this will count towards my maximum number of Amex cards, which would then put me over the 2+2 limit and trigger a rejection, or is the targeted "invitation" an indication that the limit will be ignored in this case?
.
Dec 12, 2011, 11:30 am
#132
FlyerTalk Evangelist
Join Date: Feb 2004
Location: London
Programs: BA, VS, HH, IHG, MB, MR
Posts: 26,871
.
Dec 12, 2011, 12:07 pm
#134
Join Date: Sep 2004
Location: London
Programs: BA IHG
Posts: 1,370
Applied, and also got my rejection letter today (reason given: credit score to low). Never had a problem with any credit card ever in the past - but I do admit, I probably have too many at the moment (all with £0 balances).
Dec 12, 2011, 12:50 pm
#135
Used to be BAWatersideGuy
Join Date: Dec 2011
Location: London, UK
Programs: BAEC Blue, El Al Matmid, Amex Plat, PP, Hilton Gold, SPG Gold, CX Gold, C.Carlson Gold, Hertz/Avis
Posts: 194
Hi all
First time poster on FT!
I have been weighing up either going for Lloyds Avios cards/ Lloyds Premier Avios or the BA Amex.
I know the Lloyds are new to the market and I know (if you sign up through avios.com) that you cna get a lot more bonus Avios than with BA Amex.
However all the talk on this thread seems to point to a lot of rejections to people applying for the Lloyds card.
In my new role I am likely to be travelling a fair amount and it would be good to put all my expenses on one of these cards to increase my BAEC points.
Any advice from those more experienced?
Thanks in advance!
First time poster on FT!
I have been weighing up either going for Lloyds Avios cards/ Lloyds Premier Avios or the BA Amex.
I know the Lloyds are new to the market and I know (if you sign up through avios.com) that you cna get a lot more bonus Avios than with BA Amex.
However all the talk on this thread seems to point to a lot of rejections to people applying for the Lloyds card.
In my new role I am likely to be travelling a fair amount and it would be good to put all my expenses on one of these cards to increase my BAEC points.
Any advice from those more experienced?
Thanks in advance!