Credit Reference Agencies - Who Really Uses Who?! UPDATE

System

never-in-doubt wrote: »

Hiya

can you elaborate on what you mean with Amex? Were you already a customer just to get generic ID check or is there another reason they never done a full search?

Can you confirm the start limit on such a card? and also were you successful with Next/Tesco? Obviously, different people's stories help others decide if it is worth applying

Thanks mate :beer:

Hello n-i-d

Yes I'm already and Amex customer, currently got a charge card and previously had the plat cashback which I closed in October. Limit on new card is £2.4k, a little on the low side but only wanted the freebie vouchers really! Plus I can understand a lowish limit because I've taken on a decent whack of credit in the last six months or so.

Successful with Next, £600 initial limit, I know from what people have posted on here that the limit is likely to go up and down like a yoyo. Got the book a few days ago, still miffed that you get charged for it! Although I got it through a friend referral so will get a £15 credit on my first order

Also successful with Tesco for £7.5k @ 7.8% (with 2 month payment break). Actually applied for this last August, didn't realise it was that long ago!

Cheers
UNDERGROUND

ElkyElky

stella2009 wrote: »

LOL

Mate those First Direct cards look the business in the wallet!!!

I keep opening the wallet from time to time just to look at it!!!

You really need to get one ;-)

Mmm I'm going to apply right now!

In the mean time, I'll just have to print out an image of an Amex card and laminate it. Better than nothing I guess....

cifpower

Northern Bank uses Experian

http://www.qas.co.uk/company/press/northern-bank-makes-account-opening-for-customers-fast-and-efficient-with-experian-525.htm

never-in-doubt

ElkyElky wrote: »

Mmm I'm going to apply right now!

In the mean time, I'll just have to print out an image of an Amex card and laminate it. Better than nothing I guess....

what you going to apply for mate? :rotfl:

never-in-doubt

UNDERGROUND wrote: »

Hello n-i-d

Yes I'm already and Amex customer, currently got a charge card and previously had the plat cashback which I closed in October. Limit on new card is £2.4k, a little on the low side but only wanted the freebie vouchers really! Plus I can understand a lowish limit because I've taken on a decent whack of credit in the last six months or so.

Successful with Next, £600 initial limit, I know from what people have posted on here that the limit is likely to go up and down like a yoyo. Got the book a few days ago, still miffed that you get charged for it! Although I got it through a friend referral so will get a £15 credit on my first order

Also successful with Tesco for £7.5k @ 7.8% (with 2 month payment break). Actually applied for this last August, didn't realise it was that long ago!

Cheers
UNDERGROUND

Hiya mate

Thanks for that - so guess you're like a grade A credit customer then

Sorry to say but we cannot use you as an example for sub primers cos it just aint gonna happen for them lol....... :rotfl:

Well done on the new deals, don't be going mad now cos there is no unenforceability back-up if things go pete-tong on all these new accounts

stella2009

ElkyElky wrote: »

Mmm I'm going to apply right now!

In the mean time, I'll just have to print out an image of an Amex card and laminate it. Better than nothing I guess....

For the AMEX or First Direct ?? Or both?? LOL

NID - All these people tempting you!!!!

;-)

ElkyElky

never-in-doubt wrote: »

what you going to apply for mate? :rotfl:

I'm debating whether to apply for First Direct. They have a savings account with a decent rate. I maxed my ISA allowance so some of my money is sitting in a 0.10% account with NatWest, which sucks.

stella2009

ElkyElky wrote: »

I'm debating whether to apply for First Direct. They have a savings account with a decent rate. I maxed my ISA allowance so some of my money is sitting in a 0.10% account with NatWest, which sucks.

Switch your current account to them (1st Account). You will never go back!!!

never-in-doubt

stella2009 wrote: »

Switch your current account to them (1st Account). You will never go back!!!

Oh mate stop teasing me! Just for all this teasing i'm going to apply in May and get the credit card with a stonking limit to wind you up - until of course I cannot repay it in which case i'll disappear like dirty den did in the 90's :rotfl: :rotfl: :rotfl:

System

Cheers for Northern Bank info Cif, I take it by that article that they use them for all their products?

n-i-d, about 3 years ago I was major sub-prime fodder, taken a bit of determination, several sub-prime cards and being good (staying away from the apply button!) to get back in the credit good books. Got declined for a John Lewis card about the same time I applied for the Tesco loan, dunno why they didn't want me, it's a mystery! In fact I seem to get declined for anything HSBC backed - not sure what I've done to p!ss them off!

UNDERGROUND