Sub Prime Credit Thread Part II

sutton111

I don't think they make a hugh difference, say your name is Michael but you may go as Mike or Mickey.

sutton111

I'm waiting until the middle of September before i apply for anything. By then both defaults will be satisfied over half my searches would of dropped off and i should be on the Electoral Roll.

Jaybee24uk

Getting a bot narked with Capital One.

On my 7th statement still £200 limit, I pay it in full every month.

Should I just phone them and tell them to shove it. Would Aqua add to £200 limit to their card?

My limit with Aqua is £1000, I pay £500 a month and use it for my expenses and bills. At least Aqua makes some intrest off me. Capital one have not made a penyy from me!

Only thing good about capital one is the online serivce.

kpnut79

Jaybee24uk wrote: »

Getting a bot narked with Capital One.

On my 7th statement still £200 limit, I pay it in full every month.

Should I just phone them and tell them to shove it. Would Aqua add to £200 limit to their card?

My limit with Aqua is £1000, I pay £500 a month and use it for my expenses and bills. At least Aqua makes some intrest off me. Capital one have not made a penyy from me!

Only thing good about capital one is the online serivce.

Hi Jaybee,

Your not on your own I have been with capital one for 13 months, started on £100 and never budged!

They will not increase it at all..Don't know why, I pay every week by standing order so a payment is never missed, but still won't increase!!

I keep thinking about telling them to shove it but then I think of my free credit reports lol

cifpower

My most recent Ulster Bank statement arrived today. There was a wee note saying the APR is being reduced on 7th April to 17.4% from 19.9%

sutton111

cifpower wrote: »

My most recent Ulster Bank statement arrived today. There was a wee note saying the APR is being reduced on 7th April to 17.4% from 19.9%

Considering most people's APR is going up your is going down, can't be bad. Well done.

TheEffect

Was expecting my Aqua card to come through the post today. Looks like it'll be tomorrow now. They're so slow...

Joeler

Afternoon all,

I'm thinking of applying for a Cap 1 CC at the end of the month/when my credit report is up to date based on some actions below. This will be my first CC in years since a few credit issues, so I thought I would let you know my situ and see if anyone reckons I will be accepted!!!

Out of my two Credit Reports Experian is the best, so I thought I would apply for either a Capital One or Vanquis, unsure yet but maybe you could shed some light on which one I have more chance with!?

Here are the facts:

Lived at current address for 1 year - I have no landline number though

Registered on the Electoral Role recentley

0 Credit Searches in the last 6 months

5 Credit accounts

1 x Halifax Current account - £500.00 overdraft - £142.00 balance but fully up to date. £0.00 balance by end of Feb
1 x Barclays Current account - £150.00 overdraft - fully up to date, £0.00 balance
1 x Halifax Personal Loan - 11 months to go, £2,445.00 balance - fully up to date
1 x O2 contract phone - fully up to date
1 x DEFAULT, dated Aug 2005 - Original defaulted amount of £612.00 - Fredrickson, from Lloyds TSB overdraft, £217.00 balance. This will be fully settled at the end of Feb when I pay it off.

The default is obviously the sticking point, but I am hoping once this is marked as satisfied and it will be over 3 1/2 years old, with everything else up to date this may help?

Current Credit Score according to Experian is 817 - Fair, Good starts at 884 so I might check this again once the Default is satisfied - just for my own peace of mind as I know this is not taken into account, but makes me feel better for the fiver it costs

Anyway I just wanted to know if you guys think I might get accepted for one of these Cards, and which one I should apply for first. I won't be doing anything until all of the above has been done and is visible on my Credit Expert report online.

Getting a CC, even sub prime will be a real landmark for me and hopefully the begining of better Credit options for the future!

Look forward to your valuable advice as always. Excited and nervous at the same time

Joeler

cifpower

Gave UB to see if there were any special offers on purchases or BTs. No dice.

fairmorn308

afternoon all