I had a embarrassing issue involving a debenhams store card application. Before you read this review might I state my credit score is near perfect at 999 out of 1000.
I was offered a store card by A debenhams employee who said if I apply today Id get 10% off. I already have a debenhams store card but she told me as its old I should reapply. I did so and proceeded to fill in an agonisingly long form which meant I had a que behind me. I told her I had moved addressed several times but she told me to just say i have lived at my previous address for 5 years cause that's what they want to hear. Embarrassingly in front of many people My application was rejected.
I am a member of experian so immediately checked my credit score again. Nothing has changed, I have never missed any payments. My credit score is excellent at 999 out of 1000 I am a home owner and have recently paid of finance on after 6 year loan and again never missed a payment. So my borrowing ratio to income has gone down. I am a teacher and earn nearly 30k a year. I was sent an email with a letter attached to the email explaining why I had been rejected. It certainly did not apply to me, especially stating insultingly that, I need to manage debt and keep up to date with payments, which clearly is not the case as my credit score us 999 nearly perfect.
If someone like me with a squeaky clean credit file can't get credit with debenhams Then who can? Or do debenhams need to ensure that there sales representatives know what information is needed in order to complete a card application accurately to ensure all the important information is entered into the system.
I was very embarrassed about being rejected and it has seriously put me off shopping at debenhams. I am getting married in 3 months and was going to consider using debenhams for our wedding but this experience has really put me off.
I would be very grateful if someone could explain to me why I have been rejected with A perfect squeaky clean credit score, or if it was indeed the fault of the sales representative?
Thank you for taking the time to read this