📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Sygma Bank Credit Cards

Options
Innocent_Guy
Innocent_Guy Posts: 5,369 Forumite
edited 5 April 2010 at 4:55PM in Credit cards
Hi All,

As discussed in detail on the Sub Prime Credit Thread it appears that Sygma bank are approving many applications including those from applicants who may not have the best credit files.

I thought that I would create a new thread as its not really a sub prime card and we could all do with a specific thread where we can discuss this and we are severely clogging up the Sub Prime Credit Thread.

Listed below are some of the cards underwritten by Sygma Bank:

Silvercard - Click Here

Flybe - Click Here

All Saints - Click Here

DAYS - Click Here

My World - Click Here

JJB - Click Here

Multiple Applications

There has been mixed results in making multiple applications. I personally applied for the Silvercard and was accepted and 4 weeks later applied for the Flybe card and was also accepted.

OTOH some people have been accepted for the Silvercard and later declined a second product. The results at the moment are pretty even, no more being accepted than declined.

Online Access

Although Sygma Bank offer online facilities the interface is VERY basic and the website often down. Registration is relatively simple.

To access the online facility visit the following web address: https://www.creationfs.co.uk/

Thread Still in progress :

I will update the main body of the thread and if anyone knows of any further Sygma products I could add please let me know.
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
«13456734

Comments

  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    edited 5 April 2010 at 4:56PM
    ....... :d
    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
  • spiritual1_2
    spiritual1_2 Posts: 136 Forumite
    ....... :d


    yeah well more of a credit history my vanquis is £500 urs is £1500 u closed 6 in 2010 catalogues etc etc u have a barclaycard i dont ...........u score higher

    :)
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    spiritual1 wrote: »
    yeah well more of a credit history my vanquis is £500 urs is £1500 u closed 6 in 2010 catalogues etc etc u have a barclaycard i dont ...........u score higher

    :)

    I have limited credit history approx 18 months this is what goes against me! You have 4 years of good history though?
    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
    Sutton was accepted for the Silvercard £1000 @ 24.9% and he has a 2 year old default.
    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
  • spiritual1_2
    spiritual1_2 Posts: 136 Forumite
    I have limited credit history approx 18 months this is what goes against me! You have 4 years of good history though?

    yeah but also a barclaycard search and 02 were !!!!!! and searched my equifax twice and i had 2 remortgage quotes aswell all within 6 months....... on equifax

    aswell as my previous sygma for my granted silver card, mighta been better if id waited till they posted my account

    :(
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    spiritual1 wrote: »
    yeah but also a barclaycard search and 02 were !!!!!! and searched my equifax twice and i had 2 remortgage quotes aswell all within 6 months....... on equifax

    :(

    Sygma do not seem to be too fussy on previous searches. I have had 3 in the last 4 weeks, approx 8 in the last 12 months and was still approved for the Flybe.

    o2 always make more searches than needed :mad:
    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
  • spiritual1_2
    spiritual1_2 Posts: 136 Forumite
    Sygma do not seem to be too fussy on previous searches. I have had 3 in the last 4 weeks, approx 8 in the last 12 months and was still approved for the Flybe.

    o2 always make more searches than needed :mad:
    can only be my default thats 5 years old then, and possibly due to what i was on about with my sygma account not showing as yet and them thinking id maybe had a recent knockback instead..........

    no matter ill pay at least £150 monthly onto my sygma and reapply 1st november

    :)
  • spiritual1_2
    spiritual1_2 Posts: 136 Forumite
    anyways im off to make dinner well done with ure flybe

    :beer:
  • kilasuit
    kilasuit Posts: 645 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    just applied for flybe and was declined. :(
  • spiritual1_2
    spiritual1_2 Posts: 136 Forumite
    kilasuit wrote: »
    just applied for flybe and was declined. :(

    WELCOME to my gang :rotfl:

    of to make diner i blame innocent for goin on about it :rotfl::rotfl::rotfl:
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.