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Name: Lindy Lou

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credit card

1
Credit card application. Applied for a credit card after doing soft search, excepted but took a month to receive a letter, phoned after first week told they are doing extra back room checks. Told i had been excepted with a £500 credit limit shocked as i have a experian score of 999 out of 999. I have been refused in the past about 2 years ago and never got to the bottom of it again credit score excellent and had had a credit card with them before. I know a lot about how credit rating works so no reason for what i was offered. Never in over 30 years had any other problem with any other provider. Applied to another provider got offered 5,000. Disgusting customer service waited an hour to log a complaint i needed to go to work still on hold and told my complaint would take longer to log girl kept on putting me on hold and told if i went then complaint would not be logged. Rang again another day, complaint was logged just needed to add to it so girl threatening me it wouldn't be logged was not true, finished complaint told someone would phone me within 3 days, call did not come. Rang again told i would get a reply, letter came 3 days later via email waste of time cop out complaint not upheld basically they can offer what they want with reason. It damages your credit rating for a short while as applied for credit. I do not want this credit card so cancelled it, I honestly think Sainsburys want to only give credit to people who can make them money ie charges late payments in dept. I never got charged a penny from them as paid on time in full its the only thing i can think of only used card for large purchases and on deal ie 22 months purchaes. Only reason i can think of as they are not helpful with a reason. Will never ever apply to Sainsbury bank, be aware of your credit score. I am in the process of contacting Martin lewis to bring to his attention. Reviewed on: 18th November 2021
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Lindy Lou