Free £28 cashback with Quidco for applying for AA Credit Card - HotUKDeals
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Free £28 cashback with Quidco for applying for AA Credit Card

ikran3 Avatar
6y, 8m agoPosted 6 years, 8 months ago
£28 cashback just for applying for and getting accepted for an AA credit card. Just got mine - plan not to use it and to cancel once cashback is paid...

please read small print at Quidco - some of which is below...

To apply for the AA Credit Card please check you can answer yes to the qualifying criteria: # I am currently employed # I am a UK resident and can prove residential addresses for the past two years # I am a homeowner # I have an income of over £20,000 # I have not applied for an MBNA or Virgin Credit Card within the last 6 months # I am over 21 years of age # I dont have any recent credit defaults, county count judgements (CCJs) or been made bankrupt
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ikran3 Avatar
6y, 8m agoPosted 6 years, 8 months ago
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#1
Signing up and cancelling cards will affect your credit rating ?
#2
The small print seems rather extreme. I've taken out 4 credit cards since retiring (with pension) with no trouble at all, but seemingly I wouldn't be allowed the AA card (not currently employed).
Just to demonstrate my age I can remember when credit card companies were paying us to transfer our outstanding balance to their cards - typically a 5% rebate. Now there's a 3% fee.
banned#3
deanos
Signing up and cancelling cards will affect your credit rating ?


No... why would it?
#4
Only affect your credit rating maybe if you get declined.
#5
deanos
Signing up and cancelling cards will affect your credit rating ?


Having too many cards can, but to be honest I do this all the time and have never had any problems - I've learnt to cancel the card so it doesn't look like I have too many, and I've never been turned down - have had all kinds of free stuff...

I guess my credit rating is good anyway, but I'm not a massively high earner, just pay everything off every month so no outstanding debts except for the mortgage :)
#6
A credit check automatically moves you down a scale, so if you applied for 4 cards it takes you down 4 notches. Using a card and paying it off raises your rating so use it for something small and pay it off, as soon as quidco comes pay it off and cancel.
#7
thanks - clearly I'm balancing out somehow! :)
suspended#8
diGriz
A credit check automatically moves you down a scale, so if you applied for 4 cards it takes you down 4 notches. Using a card and paying it off raises your rating so use it for something small and pay it off, as soon as quidco comes pay it off and cancel.


i have no idea where you get this information re 'notches' :? but it s not accurate - i work for experian - trust me!

credit ratings depends entirely on what the individual company rate you on - you can have a high rating with one company and be declined by another.
credit reference companies hold information only - not judgements, the companies make these themselves.
a credit check will usually (not always) show up on your credit search, if there are a lot of searches in a short period some companies will decline you - one or two is fine or more spread over time.
like the previous poster said as long as you cancell unused cards, your fine - showing 10 credit cards with available credit/no use can be a good or bad thing, depending on what the company checking value - but generally it puts them of giving you more credit
hope that clarifies/helps
#9
diGriz
A credit check automatically moves you down a scale, so if you applied for 4 cards it takes you down 4 notches. Using a card and paying it off raises your rating so use it for something small and pay it off, as soon as quidco comes pay it off and cancel.


I have three cards already (long story... cancelling a couple soon) and applied for the Post Office one the other day but they didn't give me an immediate decision.

Saw this offer on Quidco and thought I'd give it a whirl and got accepted immediately, £3000 credit limit and Quidco tracked the next day.
#10
Quote
I have an income of over £20,000 ???????
mmmmmmm..............NO
#11
pinkmelonsmr2
Quote
I have an income of over £20,000 ???????
mmmmmmm..............NO


It's normally a combined household income. I think this card is MBNA. If you hold many MBNAs they may refuse.

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