Could be a couple of reasons. One as someone else has mentioned, you are self employed......Big banks hate this. Secondly, for credit cards, they look at your credit limit, not how much you own on it or your prompt payments. Thirdly, your loan amount might be below their internal threshold. Banks like big loans.
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Ah yes fair point, although personally I would have thought I'm easy money!
Yours' isn't easy money as you most prob won't struggle to make your payments, so they can't whack you with even higher interest rates and any chances of late fees......
I guess it's all relative! Personally I would have thought a locked-in almost 0 risk £4-5K interest over 3 years is easy! I'd take that!
If you follow all the SPL Mav chat, its all abt ROI....stable payers are lower risk = lower ROI