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Sub Prime Credit Thread Part II

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Comments

  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Upgrades ie from electron to full visa

    Yes. I want a Full Visa Multifunction card I current have Electron.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Yes. I want a Full Visa Multifunction card I current have Electron.

    6 months.

    My sister had an electron when she had no money going through the account. They advised her after 6 months of seeing account usage they would upgrade her. The stuck to there promise and she now has a CGC
    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
    6 months.

    My sister had an electron when she had no money going through the account. They advised her after 6 months of seeing account usage they would upgrade her. The stuck to there promise and she now has a CGC

    I pester them twice maybe three times a month TBH. Once after my statement date another on the 1st of the month.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    I pester them twice maybe three times a month TBH. Once after my statement date another on the 1st of the month.

    What is there excuse?
    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
    Decline. I've only had the account three months. It might be because I've only paid in £500 per month for 2 months.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    What is there excuse?

    Behaviour score or the standard " you do not meeed our criteria ?"
    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
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Decline. I've only had the account three months. It might be because I've only paid in £500 per month for 2 months.
    Was you using your maestro before?
    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
    Behaviour score or the standard " you do not meeed our criteria ?"

    She didn't say. Just declinced!!
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Was you using your maestro before?

    At Yorkshire? Yes! They closed my local branch so I swapped to Abbey.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    A personal banker may be able to overturn this BTW
    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
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