Sub Prime Credit Thread Part II

GeenyWeeny

oooh, I got "provisionally accepted" for a Barclaycard credit builder CC!:T

They need to see 3 forms of ID first - does this mean they will definately accept me if I can produce the ID they need? as they haven't done a search of experian yet. Quite shocked I got this letter, as I phoned them to check my application and the lady said i was declined?!?!?!

still waiting on my pin for Vanquis.:mad:

milfordmadness

Geenyweeny wrote: »

oooh, I got "provisionally accepted" for a Barclaycard credit builder CC!:T

They need to see 3 forms of ID first - does this mean they will definately accept me if I can produce the ID they need? as they haven't done a search of experian yet. Quite shocked I got this letter, as I phoned them to check my application and the lady said i was declined?!?!?!

still waiting on my pin for Vanquis.:mad:

Hmmm, send the ID and see what happens. Maybe declined then when you rung they knew you "existed" (being you were on the phone to them lol) and then referred the decline and subsequently accepted you.... maybe BM knows more on this issue?

I'd send the I.D in and see what happens - dont ring again cos things can get missed when computerised but if you ring they may decline you after all

My Vanquis pin came after a week of card. I got £250 limit with Vanquis - what was yours? :T

GeenyWeeny

milfordmadness wrote: »

Hmmm, send the ID and see what happens. Maybe declined then when you rung they knew you "existed" (being you were on the phone to them lol) and then referred the decline and subsequently accepted you.... maybe BM knows more on this issue?

I'd send the I.D in and see what happens - dont ring again cos things can get missed when computerised but if you ring they may decline you after all

My Vanquis pin came after a week of card. I got £250 limit with Vanquis - what was yours? :T

mine was 250 too, i've just moved house this weekend and getting all my mail redirected, so thats probably why it's taking longer to get the pin

milfordmadness

bushtea wrote: »

Excellent. Well done!

thanks - shame I have the ones from hbos though LOL..... won't be there long though tbh... :j

cifpower

Morning team!

sutton111

Hello Everyone.

Hi Cif. What you doing today?

PeachPickle

Well I called Aqua cos I'm away from monday and they said my pin has been sent out and they've set the credit limit at £800

sutton111

milfordmadness wrote: »

LOL, thats sad mate! :rotfl:

Have you seen here: http://www.cifas.org.uk/

Edit: To be fair I am an expert of cifas lately - hahahaha

On that note - Sygma have removed their cifas against me, after my threatening letter to them! LOL - muppets!

Congratulations on 1 of your 100 CIFAS being removed. :rotfl:

It's not sad to want to know an acronym stands for. I think it's a good piece of information.

sutton111

PeachPickle wrote: »

Well I called Aqua cos I'm away from monday and they said my pin has been sent out and they've set the credit limit at £800

Congratulations. :beer:

Woodyrocks

After paying off monthly balance in full, as per usual, on Vanquis & Flybe, leaving me out of pocket £840+, I have decided that I am going back to using my debit card. Yes, I will be making minor purchases on CCs but no more than £40 on each p.m. What I have found out in the past year is that having a CC makes me spend more money each month than I would normally, and that the higher my limit went the more I spent. So, no more! I have learnt that I much prefer to pay as I go

Really glad I now have them (CC) but I think I might just bung them in water, pop it in the freezer and forget about them lol