Sub Prime Credit Thread Part II

sutton111

TheEffect wrote: »

HSBC Plus is easy to get is you have no defaults or CCJ's. I was accepted for a HSBC Plus account 1 month ago (As soon as i turned 18). I had no history and only a few searches for credit cards (Which were all declined).

HSBC accepted me for a Plus account, however I downgraded it to Current Account Advance as I realized how stupid I was, paying for a current account which features I didn't use. I just wanted the Plus card and to feel special. A mistake which cost me £20 (Had to pay to get it downgraded, £13 + £6.50 fee).

On a side note, I'm awaiting my Vanquis and Aqua credit card. Hopefully in 6 months time, I'll be able to apply for a HSBC Credit Card as I'll have green markers and nothing bad on my file (Apart from 9 searches which shouldn't be taken into account in 6 months?)

So when my defaults are satisfield, do you think they will accept me, Effect?

cifpower

Watching the rugby. And doing a little clothes shopping at Joe Browns

TheEffect

sutton111 wrote: »

So when my defaults are satisfield, do you think they will accept me, Effect?

Yes.

Another way of doing this is to apply for a Current Account Advance (Apparently, it's easier to get), then upgrade online to Plus. I did this and they didn't do a second credit search on me.

kiora

Afternoon all.
Sammy hows the wedding preps going..only 6 months to go what date you getting shackled lol

sutton111

cifpower wrote: »

Watching the rugby. And doing a little clothes shopping at Joe Browns

I'm watching the FA Cup tie between Everton and Aston Villa. Cracking Game 2-1 at the moment.

sutton111

TheEffect wrote: »

Yes.

Another way of doing this is to apply for a Current Account Advance (Apparently, it's easier to get), then upgrade online to Plus. I did this and they didn't do a second credit search on me.

Did they search Experian Effect?

My problem being is that i don't get £500 per money. I only get about £425.

TheEffect

sutton111 wrote: »

Did they search Experian Effect?

My problem being is that i don't get £500 per money. I only get about £425.

Yes, they searched Experian when opening the account.
I don't get £500 either (Full time 6th form student), I get about £400. I just told a white lie.
Just transfer £100 to another account then back again once in a while.

seeya23

allthingsconsidered2009 wrote: »

I've just told the guy with the hemorrhoids to sling his hook

tell more ??????

cifpower

sutton111 wrote: »

I'm watching the FA Cup tie between Everton and Aston Villa. Cracking Game 2-1 at the moment.

A lot of blood injuries in the rugby and a few people being sent to the sin bin

sutton111

TheEffect wrote: »

Yes, they searched Experian when opening the account.
I don't get £500 either (Full time 6th form student), I get about £400. I just told a white lie.
Just transfer £100 to another account then back again once in a while.

Thing is I have already been declined for a Plus account and informed them off how much I get I don't want to contradict that.

I've just checked Experian and they searched me through Experian as well.