Halifax clarity mistake

[Gelatoni]

So i think i've just done something stupid.

I applied for a Halifax Clarity card to use abroad. Input all my information and it came up saying I had been approved, however on this next page after confirming rates etc I changed my mind and bailed, so didn't click 'finish application', but cancelled instead.

It came up with a message saying that a search had already been carried out.

So now i'm worried that although I never fully submitted the card application i'm still taking a hit for the search as if I had accepted and completed it.

Any ideas knowledgable Dibbers?

Yes I know I was silly to bail on it if the search is on my file regardless...

[YorkshireT]

Yes this may have happened, maybe.

[Rosielady]

Why did you change your mind ? It's a good card for using abroad , I've got one and would recommend it .
It sounds like you were quite well through the application so the footprint on your credit rating will be there.

[Gelatoni]

Originally Posted by Rosielady

Why did you change your mind ? It's a good card for using abroad , I've got one and would recommend it .
It sounds like you were quite well through the application so the footprint on your credit rating will be there.

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To be honest I just had a sudden change of mind and 'don't really need another credit card' feeling and thought I was being sensible, but clearly not if I may as well have accepted it.

Surely not as bad as being declined though?

[Big Dog]

1 search will likely appear on your credit rating but it won’t be a catastrophe.

[Gelatoni]

Originally Posted by Big Dog

1 search will likely appear on your credit rating but it won’t be a catastrophe.

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You're right i'm probably overthinking it, but i'm really precious about my credit rating now. I should have thought about it more before I clicked to cancel.

[Big Dog]

Originally Posted by Gelatoni

You're right i'm probably overthinking it, but i'm really precious about my credit rating now. I should have thought about it more before I clicked to cancel.

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Do you know what your score is?

[Gelatoni]

Originally Posted by Big Dog

Do you know what your score is?

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Yes, but presumably it wouldn't reflect the search until the next report comes out?

[Big Dog]

Originally Posted by Gelatoni

Yes, but presumably it wouldn't reflect the search until the next report comes out?

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It updates monthly and unless you’ve a low score I wouldn’t be worrying

[Rosielady]

It's only really affected by multiple searches like someone desperate for a loan may look at many sites like those with a huge APR rate . This would have a negative impact on their credit rating . If you have only done one search I wouldn't worry .