the not good enough for sub prime cards thread!

darcyvuqua

hey guys as some will know i am a member of the sub prime credit card thread but i am unable to obtain a sub prime card so im starting a thread all for the people just like me that are not able to get one of the following cards

this thread is for support and encouragment please do not judge!







Capital One Visa


Monument Visa


Vanquis Visa






Aqua MasterCard




so then guys just post your replys situation or development in this thread to help the likes of me and many others get on the sub prime market!

thanks all xxxxxx:beer: and good luck

clio

LOL you raving loony mad hatter "apply now button" head the ball......
my advice is simple. wait till your credit file is looking healthier and you will standard a better chance of being accepted

darcyvuqua

ok her is my story received a ccj and two defaults in 2005 after the loss of my wife i am unable to obtain sub prime cards but i am actively making progress to clean and eventually fix my file aswell as my rating i have paid off all outstanding debt (ccj and both defaults) and have been a month with no applications (searches of my file) i hope in a year or less one of the cards above will accept me as they refused even after a letter of appeal last month so that is my story if you feel like your in the same boat please post and we will all support each other many thanks darcy

thriftymomma

When you say looking healthier clio, do you mean until the ccj drops off?
Mine was satisfied within 3 months of judgment 2006. ALl the rest of my credi accounts have lots of lovely 00000 and I do have a Halifax CC that I am managing well and they keep upping the limit. I am not spending regularly on it by the way, I am paying it off.

darcyvuqua

did you get the card after ccj or before?

CLAPTON

I'm a bit curious why you see having a CC as so important.

Now I know that if you travel a lot and need to book hotels or hire cars then a CC makes life a lot simpler.
However, people do manage to live quite well without CCs and certainly there is no point in using their credit facilities as their APRs are very high.

darcyvuqua

its not a need its just i want to build my score file up as this would get me a better rate when the market sorts its self out and i go for a morgage in a few years its not the apr im bothered about as i would charge small and pay off all my balance the day after just to get the score up i hope this makes sense it will just be used as a 0% tool

robpw2

i have been refused for all these . and my credit rating is good according to nat west, poor according to halifax and non-existent according to barclays..


also have you seen the aprs on some of these . 51%

darcyvuqua

robpw2 wrote: »

i have been refused for all these . and my credit rating is good according to nat west, poor according to halifax and non-existent according to barclays..


also have you seen the aprs on some of these . 51%

yes i have but like i say if you pay in full the day after it would just become a 0% rebuilding tool!

DestroyingAngel_2

A few weeks ago I read somewhere/overheard someone talking... but for the life of me can't remember the exact details...MBNA have come up with a sub-prime card that helps customers with impaired credit ratings get a foot up the ladder. I think it has a low credit limit, summat like £500, plus a fixed APR of something (sorry, memory's gone)...but after a year you can choose to upgrade to a standard card, provided you haven't defaulted on any payments/been late/gone over the limit. Might be worth calling their Applications line for more info?

Rabiddog_2

What is even more disturbing is that you have a pin-up gallery of these cards. Surely those judgements so long ago (3 years) don't still affect your CW'ness. I speak as someone also without CC's, possibly applying in a month or two (for travel purposes, internet purchases)