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Sub Prime Credit Thread Part II

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Comments

  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    londonuk2008 wrote: »
    how come they dropped it?
    Credit Refrence Agency feed
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    hey up matey - I bought you a wispa easter egg...... hehe :confused:

    guess where it is now (loud burp noise)...... :eek:
    Hello Mate!!!!!! :rotfl::rotfl::rotfl::rotfl:
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    londonuk2008 wrote: »
    I thought someone had here - see what limit he has and if he thinks mines a yes or no.

    Mate the image of the card is on here - maybe innocent knows where the image is and can post it again for you..... I PM'd him the image LOL

    I started with minimunm £3k and they do monthly searches and each month they dropped by a grand (now at £1k) but told me it is due to added security (card has a 5yr expiry date!) and after 3 more payments they will up it again - to at least the £3k but likely to be much higher based on account coduct. The credit data received on monthly updates is relevant for 6mth afterwhich they told me (underwriting dept) that it isn't really used for increments unless it is a manual request for increase.

    They base increases on account conduct after 6mths but on CRA data for period 0-6mth.
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    londonuk2008 wrote: »
    I thought someone had here - see what limit he has and if he thinks mines a yes or no.


    What did you do mate - have you applied? where is the link you posted - sorry on mobile so aint searching through pages cos too slow....... if you could post a link to the post i'll have a mooch..... but they always do refers, its a fact that all app's go through individaul underwriting - I mentioned before that my bor got declined, appealed, won appeal and got the CCA and contract to sign, got letter declining again, appealed on basis of first appeal that he won but the u/w said sorry - our decision stands.

    Weird but they are very safe - like my card will not be downgraded - wven though limit is less than the min £3k, I still got gold card and have the gold benefits associated with the account :D

    Card is smart mate - hehe

    p.s. dont get your hopes up til you get the card, the CCA/Contract does not mean you have got accepted....

    they are also very slow, took me over 7 weeks in total (maybe longer).....
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    Mate the image of the card is on here - maybe innocent knows where the image is and can post it again for you..... I PM'd him the image LOL

    I started with minimunm £3k and they do monthly searches and each month they dropped by a grand (now at £1k) but told me it is due to added security (card has a 5yr expiry date!) and after 3 more payments they will up it again - to at least the £3k but likely to be much higher based on account coduct. The credit data received on monthly updates is relevant for 6mth afterwhich they told me (underwriting dept) that it isn't really used for increments unless it is a manual request for increase.

    They base increases on account conduct after 6mths but on CRA data for period 0-6mth.

    So after 6 months your cool and will get a huge limit
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • fairmorn308
    fairmorn308 Posts: 1,530 Forumite
    good evening troops thats me back home now. phoned welcome about paying off loan early and they tryed to give me a figure of higher than my loan and i said no no i will be offering X amount and they more of less said they arent interested in my offer
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    fairmorn308 wrote: »
    good evening troops thats me back home now. phoned welcome about paying off loan early and they tryed to give me a figure of higher than my loan and i said no no i will be offering X amount and they more of less said they arent interested in my offer
    Hello mate!

    Just write into Welcome...... You will get someone proper then not some customer service bloke/woman who thinks there the CEO!
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • fairmorn308
    fairmorn308 Posts: 1,530 Forumite
    loan i have has £1800 remaining and was wanting to offer them £1000
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    So after 6 months your cool and will get a huge limit


    That is what they implied - but like anything, i do not believe everything I hear! :beer:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    fairmorn308 wrote: »
    loan i have has £1800 remaining and was wanting to offer them £1000
    It doesn't seem unrealistic........ Welcome turned up at my door the other day wanting to talk to landlady about her agreement....... Don't know if she has missed payments or they want an offer?
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
This discussion has been closed.
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