Sub Prime Credit Thread Part II

jack290292

Have just applied on-line for Post Office card. Would like to get rid of Vanquis due to the high interest.

Thought I would apply during working hours to see if I could get an instant decision...but just got we will let you know in writing within 5 days:(

I wonder what criteria you have to meet to get an instant decision....I keep wondering if it's because I live in rented property although we have been there for 15 years!

No great loss if it's a "no" but just wondered if other people have this problem with "instant decisions"

sutton111

milfordmadness wrote: »

Hi mate

I have HSBC Plus, HSBC Advantage, Lloyds TSB, Barclays (all banks)

I have Vanquis, Amex Gold (chargecard - no limit) and the BOI soon to be delivered I hope!

Remember my credit aint bad through my fault, it was the ID fraud that done it to me (plus my 100 odd searches)....

Been with HSBC since 18 December matey :beer:

What a HSBC advantage?

sutton111

jack290292 wrote: »

Have just applied on-line for Post Office card. Would like to get rid of Vanquis due to the high interest.

Thought I would apply during working hours to see if I could get an instant decision...but just got we will let you know in writing within 5 days:(

I wonder what criteria you have to meet to get an instant decision....I keep wondering if it's because I live in rented property although we have been there for 15 years!

No great loss if it's a "no" but just wondered if other people have this problem with "instant decisions"

You should of tried Flybe Jack, they are quite good at instant decisions.

jack290292

I do have the Flybe card but did not get an instant decision on that either. Seems to be some reason why I never get an instant decision!

Looks like I am going to have to stick with the 1 card with a good interest rate and limit and then the sub-prime ones.

milfordmadness

jack290292 wrote: »

Have just applied on-line for Post Office card. Would like to get rid of Vanquis due to the high interest.

Thought I would apply during working hours to see if I could get an instant decision...but just got we will let you know in writing within 5 days:(

I wonder what criteria you have to meet to get an instant decision....I keep wondering if it's because I live in rented property although we have been there for 15 years!

No great loss if it's a "no" but just wondered if other people have this problem with "instant decisions"

Hi,

Post Office cards are issued by Bank of Ireland who rarely issue immediate decisions. Maybe cos they are in N.I and don't link to our Electoral Register - i'm not too sure but it is known that they don't issue many instant yes decisions.

It's not you, it could be anything such as a month wrong in employment or a salary increase that differs from your last application with another lender (if they use Hunters as part of application this would be a decline).

HTH - Mil...

sutton111 wrote: »

What a HSBC advantage?

Sorry mate, meant to say Advance. Will edit the OP>

sutton111 wrote: »

You should of tried Flybe Jack, they are quite good at instant decisions.

I can't believe you're advertising this !!!!!! mate - hahahaha

jack290292 wrote: »

I do have the Flybe card but did not get an instant decision on that either. Seems to be some reason why I never get an instant decision!

Looks like I am going to have to stick with the 1 card with a good interest rate and limit and then the sub-prime ones.

If you got the Flybe card then you should get the PO card. I got a cifas from Sygma (flybe) - and hate em! Constant arguing to get them to remove the incorrect cifas entry!!!

sutton111

milfordmadness wrote: »

Hi,

Post Office cards are issued by Bank of Ireland who rarely issue immediate decisions. Maybe cos they are in N.I and don't link to our Electoral Register - i'm not too sure but it is known that they don't issue many instant yes decisions.

It's not you, it could be anything such as a month wrong in employment or a salary increase that differs from your last application with another lender (if they use Hunters as part of application this would be a decline).

HTH - Mil...



Sorry mate, meant to say Advance. Will edit the OP>



I can't believe you're advertising this !!!!!! mate - hahahaha



If you got the Flybe card then you should get the PO card. I got a cifas from Sygma (flybe) - and hate em! Constant arguing to get them to remove the incorrect cifas entry!!!

When did you open your second account with HSBC?

Where do you work Milford, a ginger wig factory? :rotfl:

milfordmadness

sutton111 wrote: »

When did you open your second account with HSBC?

I opened it a couple of weeks ago mate - I didn't do it online, I rung my branch and spoke to woman that knew about the ID theft etc from when I went in to open the Plus back in December. Although my visa card (debit card) linked with the advance account is an authorisation all card - it said it on my PIN advice so not happy!

I'll wait 3mth til my behaviour score increases then change it a normal c/g card....

sutton111 wrote: »

Where do you work Milford, a ginger wig factory? :rotfl:

You're gonna get a slap biatch hahahaha

milfordmadness_ages_ago wrote:

I applied for 102 Hbos Reward Accounts

I just got my last decline and they only added 78 cifas - thought they would have put 102 cifas against me - fools!!!

sutton111

milfordmadness wrote: »

I opened it a couple of weeks ago mate - I didn't do it online, I rung my branch and spoke to woman that knew about the ID theft etc from when I went in to open the Plus back in December. Although my visa card (debit card) linked with the advance account is an authorisation all card - it said it on my PIN advice so not happy!

I'll wait 3mth til my behaviour score increases then change it a normal c/g card....



You're gonna get a slap biatch hahahaha



I just got my last decline and they only added 78 cifas - thought they would have put 102 cifas against me - fools!!!

You are joking 78????? :eek: :eek: :eek: :eek: :eek: :eek:

You come across as you don't give a sh*t. :rotfl: :rotfl:

Why all of them, did you lie?

I didn't know it told you it was an all authorisation card that's interesting.

milfordmadness

sutton111 wrote: »

You are joking 78????? :eek: :eek: :eek: :eek: :eek: :eek:

Yea, they added 78 so far! I guess the rest will come at later date!

sutton111 wrote: »

You come across as you don't give a sh*t. :rotfl: :rotfl:

I don't! What's the point? They will drop off in 13 months and I have that many searches that I can't apply for anything for that time anyway so I guess everything will fall off at the same time. TBH i'm too laid back to let !!!!!! like that get to me - more important things to worry about like where are my mates cos I want a pint and pool tournament haha!!

sutton111 wrote: »

Why all of them, did you lie?

Nope. But then what do you think, repeat applications in that volume! It does look dodgy after all but I thought they'd have rung me, after all I have had an account with them for a few years lol

sutton111 wrote: »

I didn't know it told you it was an all authorisation card that's interesting.

It tells you on the PIN advice - the Plus card said PIN Advice for £100 chip and pin cheque guarantee card (£100).

The Advance account PIN Advice said this: PIN Advice for Full Auth Visa Debit Card.

Mich81

kiora wrote: »

Prompted by C8ndice I phoned MBNA and was told that the card will revert to a normal visa and will qualify for upcoming promotions and the £100 deposit will just be paid off the balance so will wait and see.

New to this thread, but I also have this MBNA Card, and approaching my 6th month - I've been told that I won't get the £100 back until I close the account