Sub Prime Credit Thread Part II

never-in-doubt

Innocent_Guy wrote: »

I agree accounts are managed very similar.

yes mate, only difference is mine is used for all bills etc and I transfer a grand a month into my second account (advance account) which I spend with i.e. petrol/food etc... so I have all DD's & SO's coming from Plus and spend with second account so this helps my score as well cos I got 2 cheque books etc....

Innocent_Guy

never-in-doubt wrote: »

yes mate, only difference is mine is used for all bills etc and I transfer a grand a month into my second account (advance account) which I spend with i.e. petrol/food etc... so I have all DD's & SO's coming from Plus and spend with second account so this helps my score as well cos I got 2 cheque books etc....

Do they credit score you for the second account?

never-in-doubt

Innocent_Guy wrote: »

Will do mate - I am going to get that behaviour score up aswell. Do you know what day of the month Barclays set there limits?

Look in banking and current accounts and find a user called barclaysmanager - he will know if you PM him mate.

never-in-doubt

Innocent_Guy wrote: »

Do they credit score you for the second account?

No. its is 100% based on internal score. You can only have a 2nd account if you have a plus, i.e. one plus and one advance account. Thats what I was told but then if you have an advance account now, and want another they would use your internal score only - but you must apply in branch as they just open it there and then kinda like a saving account. You'll get an all authorisation visa debit card (no c/g) and no overdraft until you've run it well for 6mth.

HSBC love their 6mths mate lol

Oh, point of interest the all auth card is like electron in that it can't be used at pertrol pumps or on planes/trains etc - it needs authorisation or it will decline payment.

Innocent_Guy

never-in-doubt wrote: »

Look in banking and current accounts and find a user called barclaysmanager - he will know if you PM him mate.

I spoke to him before actually. He is a great help.

never-in-doubt

Innocent_Guy wrote: »

I would be happy once I have got a mainstream CC.

apply at citibank online - they give you one mate - i got one and you seen my file. They use experian only as well.

never-in-doubt

Innocent_Guy wrote: »

I spoke to him before actually. He is a great help.

yea he knows his stuff mate..... god I get around lol

never-in-doubt

Right have you finished hassling me mate? can I go now - lol?

If you need to know about HSBC text or ring me - you got my number still haven't you mate? I've asked almost every conceivable question and should work for em! lol

Innocent_Guy

never-in-doubt wrote: »

apply at citibank online - they give you one mate - i got one and you seen my file. They use experian only as well.

My searches are what let me down! Did you have to appeal? Do you know any lenders that just use Equifax other than Sigma LOL

Innocent_Guy

never-in-doubt wrote: »

Right have you finished hassling me mate? can I go now - lol?

If you need to know about HSBC text or ring me - you got my number still haven't you mate? I've asked almost every conceivable question and should work for em! lol

I think you would be a good bank manager. I could immage you being a bit of a know it all & bast*rd to the customer LOL.