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Sygma Bank Credit Cards

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Comments

  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    I was approved for the silver with Barclaycard at 90% of limit and approved of MyWorld with Barclaycard and Silver at ~80% of limit.

    You may be right but that is most definitely a change for Sygma as it didn't used to be an issue.

    Hey ho. Six month DFD :D

    And £3400 isn't much available credit for a £21,500 salary (yeah, gone full time now. Woot! :beer:)
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Ahh you're right matey. Affordability isn't the problem, IMO it's the exposure with high balances.

    Makes sence though doesn't it? I appreciate what ur saying about the extra cards u got but ur exposure was lower then. To anyone searching you it looks like 2 new cards both maxed out so soon.

    Not criticism - far from it. Just think cos it's too close to home you're missing the obvious lol.
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    izools wrote: »
    I was approved for the silver with Barclaycard at 90% of limit and approved of MyWorld with Barclaycard and Silver at ~80% of limit.

    You may be right but that is most definitely a change for Sygma as it didn't used to be an issue.

    Hey ho. Six month DFD :D

    And £3400 isn't much available credit for a £21,500 salary (yeah, gone full time now. Woot! :beer:)

    Without your overdraft see you only have £685 available.
    As for credit cards go that is not a lot of available TBH.
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    edited 6 September 2010 at 9:02PM
    Yeah you're both absolutely right!

    I wouldn't dream of applying elsewhere with so little available (even if my Experian file wasn't shot to pieces with all sorts of other nasties), I figured it was worth a bash with Sygma again as they've not minded the little available in the past.

    Hey ho. Don't need it anyway. DFD, here we come :D Standing orders all in place to snowball this years splurging into non existence :beer:
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • onefortheroad_2
    onefortheroad_2 Posts: 183 Forumite
    edited 6 September 2010 at 9:14PM
    izools wrote: »
    Blimey! Sygma have really tightened up!

    I Have had my Silver card for over six months and My World for over three months now, and am down to two searches on EQ.

    Got a copy of my EQ file, perfect. I couldn't resist. One search couldn't hurt right? Well it was bloody pointless. Straight decline for Flybe.

    I'm very surprised TBH. I would have expected a refer worse case scenario given my low debt (for income) and unblemished credit history (on Equifax, that is).

    Never mind, didn't really need it ayway. Called them up and they confirm they've raised the bar in terms of credit scoring :o Boo!!!

    EDIT: TBH I'm glad they said no - I could do without having another new account on my credit file and there's no need for another card anyway. I should be holding off until LTSB offer me a new card and that won't happen if I keep taking them out elsewhere...



    dont see how that is i got a jjb card on friday with ccj from 2007



    newcardcopy.jpg
    silver limit £1000 jjb limit £250
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    onefortheroad wrote: »
    dont see how that is i got a jjb card on friday with ccj from 2007



    newcardcopy.jpg

    Creation also told me that different cards have different pass marks - perhaps Flybe is one of their strictest ones?
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    a ccj from 2007 would go unnoticed if the rest of your file was clean, i.e. 3yrs of nothing/payments on time etc....

    well done by the way
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • onefortheroad_2
    onefortheroad_2 Posts: 183 Forumite
    edited 7 September 2010 at 8:14AM
    never-in-doubt wrote: »
    a ccj from 2007 would go unnoticed if the rest of your file was clean, i.e. 3yrs of nothing/payments on time etc....

    well done by the way


    thanks nid i know halifax only go back 3 years for rewards account
    silver limit £1000 jjb limit £250
  • mnomis
    mnomis Posts: 82 Forumite
    Welcome back NID :T

    Here's hoping you are right and there has been no change in criteria for Sygma as I've got less than one month until I can apply again!
    Capital one £200 - bal nil. Aqua £350 - bal nil
    Vanquis limit [STRIKE]£250[/STRIKE] [STRIKE]£750[/STRIKE] £1250 - bal £450. Nat West overdraft limit - £300, unused. JD Willaims limit [STRIKE]£400 [/STRIKE] [STRIKE] £600 [/STRIKE] £900 - bal £90.
    Very limit £400 - balance £329 (buy now pay 2011!)
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    mnomis wrote: »
    Welcome back NID :T

    Here's hoping you are right and there has been no change in criteria for Sygma as I've got less than one month until I can apply again!

    Well clearly there is for me to get an instant decline after two instant approvals with equally bad debt to limit ratios!

    I just spoke to the underwriters and they confirmed that they are being more picky with their customers now and told me not to reapply for 3-6 months where before they said after a month or two.

    Ah well, there you go. Sensible decision for them to make, really.
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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