My application was declined with the information my income was under 5k a year, and my address was invalid. After going through the complaints procedure, I was notified in a telephone call that my address did not match the one recorded on the credit record agency. They have underestimated my income as I presume the 5k was simply pensions. They didn't ask about savings. After the telephone call with the complaints team (who were very nice), I received a very long letter saying my case had been reviewed, NewDay had been correct (or words to that effect) and I would not be issued a new card. There was, however, a long ditty on how to appeal to the ombudsman. How much time will this take? And will I need an extra dose of blood pressure tablets to cope?
As I have been a loyal customer for many years and never been in debt. I was quite hurt when my card was suddenly stopped. At that point I had had no warning.
But maybe the reason I am being treated as an outcast is they don't make much money out of me. I guess this is one of the ways the new CE, Dame Sharon White is 'turning the company round'.
I'm tempted to just give up, do more shopping in Tesco's and hope they will not decline my application for a credit card.
But somehow this seems so unjust.
