Sub Prime Credit Thread Part II

never-in-doubt

Innocent_Guy wrote: »

What copyright was breached?

mate it was more than just copyright - the mods didn't realise that copyright doesn't affect a few lines then a link. They want me to use my own words - how is it possible to use my own words when the way i'd describe a CRA is exactly the same as they would describe themselves - so that aint copyright, its the way it is.

Anyway, I can put thread back up, just editing it and have been busy so haven't done it yet - will deal with it soon though mate

never-in-doubt

Innocent_Guy wrote: »

Well done!

Who did they search?

Mate Natwest always search both cra's for credit cards..... standard practice. They officially declare they use Experian but they do follow up with Equifax searches and remember - they may offer you a card online but when they send paperwork and you return it, they do another check and over 50% of people get refused at this time having thought they'd already been accepted....

It's their way of weeding through the volume of app's

never-in-doubt

Innocent_Guy wrote: »

That means you have been accepted....... Well done !

no mate - it doesn't.

Remember last week I posted my tesco confirmation? It got declined... see my last post this explains RBS credit card. They always do a second check at time they recieve paperwork and this is where you come unstuck if you got anything bad on your credit file or are too high risk.

sorry but thats the way it is....

never-in-doubt

Breezy85 wrote: »

I really rate Natwest! Back in November I still had Solo !!!!!!.

Awww Sutton, your day will come mate and I'll be the first to congratulate you when you finally get there!

don't be too quick to rate them mate - you haven't been accepted as yet - kavanne will confirm this as they are Natwest employee - similarily, I got same message as you and got letter saying sorry after further checks we aint giving you a card! :mad:

Breezy85

never-in-doubt wrote: »

don't be too quick to rate them mate - you haven't been accepted as yet - kavanne will confirm this as they are Natwest employee - similarily, I got same message as you and got letter saying sorry after further checks we aint giving you a card! :mad:

To be honest its not like I need it so If I do get declined after all then it won't really be a big deal, also even if they don't give me the CC I still rate them as they finally gave me a servicecard (two infact) and upped my o/d so I can't complain. Thanks for the heads-up and I'll let you guys know how I get on with regards to the classic card application.

Innocent_Guy

never-in-doubt wrote: »

don't be too quick to rate them mate - you haven't been accepted as yet - kavanne will confirm this as they are Natwest employee - similarily, I got same message as you and got letter saying sorry after further checks we aint giving you a card! :mad:

I never knew tesco declined you..... That takes the absolute pi$$

Breezy85

Also as far as I'm aware Tesco Personal Finance isn't anything to do with RBS anymore??

Innocent_Guy

Breezy85 wrote: »

To be honest its not like I need it so If I do get declined after all then it won't really be a big deal, also even if they don't give me the CC I still rate them as they finally gave me a servicecard (two infact) and upped my o/d so I can't complain. Thanks for the heads-up and I'll let you guys know how I get on with regards to the classic card application.

To tell you the truth I do not need the credit facilities I apply for it is more just the fact the
1) I want to build my credit rating up
2) I'm will soon be looking for a morgage
3) I always want what I cannot have :rotfl: :rotfl: :rotfl:

Innocent_Guy

Breezy85 wrote: »

Also as far as I'm aware Tesco Personal Finance isn't anything to do with RBS anymore??

Not sure mate

never-in-doubt

Breezy85 wrote: »

Also as far as I'm aware Tesco Personal Finance isn't anything to do with RBS anymore??

yes they still use the same systems.... go to the tesco page and apply, dont do it all but just click apply and see the same screens as RBS?

Trust me - they are one in the same.