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Sub Prime Credit Thread Part II

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  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    On the website it says its for Excellent Credit Rating.

    I believe that is for people who are applying from scratch.

    Whamy has been upgraded so he must have an excellent internal rating and perhaps a good credit record externally, not excellent. That's my thinking anyway.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    I believe that is for people who are applying from scratch.

    Whamy has been upgraded so he must have an excellent internal rating and perhaps a good credit record externally, not excellent. That's my thinking anyway.

    I hope that I build a good enough internal rating for Vanquis to upgrade me :D Some reason I think that it will not happen.
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    I hope that I build a good enough internal rating for Vanquis to upgrade me :D Some reason I think that it will not happen.

    You never know! :)

    When did you post you S.A.R's off?
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    You never know! :)

    When did you post you S.A.R's off?

    Been a few days now however NID is saying they are demanding the £10 fee oppose to the £2 we sent!

    I think they will reject mine and I will have to resubmit
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    Been a few days now however NID is saying they are demanding the £10 fee oppose to the £2 we sent!

    I think they will reject mine and I will have to resubmit

    Bloody typical. I'm waiting for yours to return before I send mine off.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Bloody typical. I'm waiting for yours to return before I send mine off.

    Ha why you waiting? To see if its worthwhile?

    I think the 7 listed companies will do everything in their power to withold the information from us.
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    Ha why you waiting? To see if its worthwhile?

    I think the 7 listed companies will do everything in their power to withold the information from us.

    Basically yes, I want to see what you get first. Where are you going to post the info?
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Basically yes, I want to see what you get first. Where are you going to post the info?

    :p NID has lauched the new thread I think it will be posted there. I haven't discuss it with him yet anyway so that is just an assumption. It needs to be somewhere where everyone can view it. It also needs to have good, clear instruction on the way to retreive the info...
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • c8ndice
    c8ndice Posts: 201 Forumite
    When I got 'upgraded' to the gold card, the APR and credit limit stayed the same.

    They also wanted £19 annual fee for the privilege. For some reason though the charge didn't appear :confused:
  • cifpower
    cifpower Posts: 6,502 Forumite
    c8ndice wrote: »
    When I got 'upgraded' to the gold card, the APR and credit limit stayed the same.

    They also wanted £19 annual fee for the privilege. For some reason though the charge didn't appear :confused:
    £19 annual fee for the Vanquis Gold Card? Screw that!
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