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Sub Prime Credit Thread Part II

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Comments

  • Brian1966
    Brian1966 Posts: 1,428 Forumite
    sutton111 wrote: »
    Congratulations!!

    I told you Brian, it's a better way to apply!! :D
    Have to say it.. You were right :T I would never have known had it not been for your input :beer:
    2 more accounts to report green zero's :j
    Natwest gold..Limit £1750 bal £970..Vanquis Limit £3000 bal £0..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £4900 bal £1356..Empire Limit £6200 bal £152..Jd williams..Limit £1100 bal £130..Simplybe..Limit £1500 bal 265,,Fashion world..Limit £1400 bal £145 Jacamo..Limit£125 bal 0
    Next..Limit £?? bal £0 Asda..limit £1250 bal £440,
  • Brian1966
    Brian1966 Posts: 1,428 Forumite
    allthingsconsidered2009 wrote: »
    But doesn't this mean they do two credit checks?
    To be honest I'm not sure how it works, would assume that credit check is done to send out a catalogue then maybe internal procedures to assess a credit limit as they don't ask for income details :confused:
    Natwest gold..Limit £1750 bal £970..Vanquis Limit £3000 bal £0..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £4900 bal £1356..Empire Limit £6200 bal £152..Jd williams..Limit £1100 bal £130..Simplybe..Limit £1500 bal 265,,Fashion world..Limit £1400 bal £145 Jacamo..Limit£125 bal 0
    Next..Limit £?? bal £0 Asda..limit £1250 bal £440,
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    allthingsconsidered2009 wrote: »
    But doesn't this mean they do two credit checks?

    I'll check my Equifax file.

    Yes they searched me twice. It seems more likely to go through for some reason.
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    allthingsconsidered2009 wrote: »
    Thanks Sutton. 2 searches seems a bit cackhanded!

    I know seems a little bizarre but for some reason it seems to accept you easier.
  • cifpower
    cifpower Posts: 6,502 Forumite
    Littlewoods turned me down the brutes! I am happy with my Jacamo and Next though :D
  • cifpower
    cifpower Posts: 6,502 Forumite
    Wondering if I should pay by CC off in full this month. I have the money but it will be beans on toast for a few weeks afterwards.
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Have you requested a catalogue recently?
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    cifpower wrote: »
    Wondering if I should pay by CC off in full this month. I have the money but it will be beans on toast for a few weeks afterwards.

    Pay half then you won't leave yourself short.
  • cifpower
    cifpower Posts: 6,502 Forumite
    sutton111 wrote: »
    Have you requested a catalogue recently?
    Last month
  • cifpower
    cifpower Posts: 6,502 Forumite
    sutton111 wrote: »
    Pay half then you won't leave yourself short.
    Good idea. I'll pay £500 this month and the rest next month
This discussion has been closed.
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