Collected Thoughts on Card Design (Part 2)

UK Financial Chat Fintech Chat
1688

No I get it, soft checks won’t matter and the zopa account hasn’t shown up anywhere.

Not long now til you can go wild for bank accounts :joy: :pray:t3:

3 Likes
1690

Why does it not say Wealth like the Premier one does. Unfair.

I really like the simple design of the new Barclay cards.

2 Likes
1691

The Zopa card is as stated a first edition. Over time it will accrue huge value. Get in quick before the 2nd edition is issued.

1 Like
1696

You wouldn’t think much of it if you were planning a multi trip holiday and opened an account with xyz airline

1697

There’s no normal.

Hell, open 10 in one day if you like.

2 Likes
1699

It’s all completely relative to:

a) proximity of any borrowing you’re likely to require
b) any other weighted credit issues which could intertwine
c) how much borrowing you require (e.g. a couple earning 100k remortgaging 50-100k aren’t likely to be impacted by a few searches despite the transaction being considered important)

1 Like
1700

Do they threaten this historical Barclays winner though?:

Card of the week 4
Card of the week 4999×750 85.7 KB

4 Likes
1701

What a sad little life Jane

4 Likes
1702

No problem Tarzan.

1703

You ruined my night just so you could have the money.

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1704

Not a month, more like 1-2 for every 4-6 months. :woman_facepalming:t2: Anything with a hard credit search is normally advised to be 6 months apart, but that’s probably for people who are buying a home.

This is a very prudent standard by the way. Some people have pushed for 2 credit card applications in the same day as they gambled that CRA records cannot catch on quick enough to realise you’ve already applied for a card at a different institution. :woman_shrugging:t2:

1705

I couldn’t open any accounts while waiting for my mortgage and purchase to go through. I opened like 7 accounts in the month after it did. Nothing happened :man_shrugging:t2:

Edit: I say nothing happened. My credit “score” took a hit, but I don’t care about that right now

1 Like
1706

I once got 4 hard searches in a week :innocent:

1708

But remember I have a problem.

I hear of a new card and its either “New Account” or “Damaged Card”

4 Likes
1710

To be clear my comment was not advice and just my experience!

3 Likes
1716

“The backs just as shit as the front”.

Alan Carr - Toothfairy live :joy:

3 Likes
1717

At least the Zopa card is trying something vaguely interesting, rather than “single block colour and a logo if you’re lucky”.

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1719

Passbook! Wow

1720

Hot coral is so ugly it angered me that I’m paying £7/month for such a fugly card. :joy:

Edit: Oops I meant Bold coral.

3 Likes
1721

I wonder when hot coral went from being the in-thing to fugly…