Want some advice please.
I’ve wanted to apply for a platinum cashback card, but the eligibity checker is worrisome. It gives me a 8.5 out of 10 and I’ve heard of people that have 9 and above out of 10 and have been rejected (online posts, don’t know them personally).
I have a clean credit record and no debt by being careful for many years.
I can’t risk being having a rejection on my file, I know no one can tell me whether I’ll be accepted or not, so I gave Amex a call and they were rude and had very slowly shoulders. By the end of the call the chap admitted that the eligibility checker had no relevance really and he admitted that people with 9.5 or even 10 out of 10 likelihood have been rejected and literally could not answer my question as to the point of even offering the feature in the first place.
I have had good experience overall with non traditional banks, so what alternative Fintechs are out there have a small annual fee of which the cashback would cover the nominal fee like Amex’s £25 annual feel?
I know of Revolut’s, but is not worth the high fee for metal card package, any others out there?