Sub Prime Credit Thread Part II

cifpower

jack290292 wrote: »

Ah I see they are offering.....either the balance transfer at 0% OR the purchases at 0%......I thought it was both...told you I'm a novice at all this:rolleyes:

No they are offering both. Its just that payments go towards balance transfers before purchases

Innocent_Guy

cifpower wrote: »

NEVER SPEND ON A BALANCE TRANSFER CARD!

sorry to shout



when you pay the card back money will go to the 0% BT first and when that is paid off then the purchases will be paid

See Martins posts regarding spending on BT cards.

Deffo not recommended

jack290292

:rolleyes: Thanks for your help everyone. Think I will see what Credit limit I get then decide what to do;)

kiora

Evening All

Still no word from either Skycard and BOI so just taking this as a sign I've been declined.:snow_laug
Am going to give up applying now and have put my CC in the freeze(kept 1 for emergencies) am going to pay them off close them down and just keep my Airmiles Card.

darcyvuqua

i phoned up the BOI today and they could not give out a desicion over the phone but did say the underwriters sent something out at 0955 this morning probably a big fat blow us

cifpower

I am going to appeal my BOI refusal to see what they say

never-in-doubt

cifpower wrote: »

I am going to appeal my BOI refusal to see what they say

Use my letter found below: Worked for me..... Have you actually been refused, if so why? Mine said due to credit score and mentioned that it was nothing to do with my credit report (strangely enough!)

Bank of ireland appeal details are here: #2326 & the actual letter I wrote is here: #2327

cifpower

never-in-doubt wrote: »

Use my letter found below: Worked for me..... Have you actually been refused, if so why? Mine said due to credit score and mentioned that it was nothing to do with my credit report (strangely enough!)

Bank of ireland appeal details are here: #2326 & the actual letter I wrote is here: #2327

The main reason for refusing for credit score. I cannot remember if they said it was nothing to do with my credit report (I threw the letter out ). I have used your letter as a template but added and deleted things to make it more personal to me. I will post it tomorrow.

never-in-doubt

cifpower wrote: »

The main reason for refusing for credit score. I cannot remember if they said it was nothing to do with my credit report (I threw the letter out ). I have used your letter as a template but added and deleted things to make it more personal to me. I will post it tomorrow.

Of course, my letter is a template to help people get through - dont use the same layout etc whatever you do cos the U/W team is small and they will soon see the same style of letter dropping through and start to refuse them all

I'd change lots around and make it more personal......

If it is just ccredit score and you write good letter, i.e. prove you are stable, then you should win appeal and get a good limit. Did you apply for the gold or standard?

sutton111

Good Evening Everyone.

:j Congratulations to Man Utd!! Yet another win, tough game though Newcastle played well in the first half.