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Sub Prime Credit Thread Part II

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Comments

  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    That explains why, after 130 searches in a month, I keep getting declined :eek:
    Your a joker LOL
    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
  • PARIS_5000
    PARIS_5000 Posts: 868 Forumite
    I was going to apply for their credit card but he told to wait because I have had more than 3 searches in the same period.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    PARIS_5000 wrote: »
    I was going to apply for their credit card but he told to wait because I have had more than 3 searches in the same period.
    Oh ok. Have they pre approved anything for you?
    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
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    PARIS_5000 wrote: »
    I was going to apply for their credit card but he told to wait because I have had more than 3 searches in the same period.

    nah that's not right, you can have upto 6 searches in a 6 month period before it's classed as 'bad'..... if Hfx wanted to give you an account, other than a few searches, they would. It would go to underwriting in Cardiff and they'd approve it - they dont care about searches under 15 in the last year - I know cos they wrote and told me that 130 searches in 26 days is not acceptable (declined me of course). Maximum to them would be around 15 in the last 12 month period.

    LOL :beer:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    Oh ok. Have they pre approved anything for you?

    mate tell me more about hsbc telling you on phone about pre-approvals? I never knew this.....
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    nah that's not right, you can have upto 6 searches in a 6 month period before it's classed as 'bad'..... if Hfx wanted to give you an account, other than a few searches, they would. It would go to underwriting in Cardiff and they'd approve it - they dont care about searches under 15 in the last year - I know cos they wrote and told me that 130 searches in 26 days is not acceptable (declined me of course). Maximum to them would be around 15 in the last 12 month period.

    LOL :beer:
    Brilliant :rotfl::rotfl::rotfl:

    I think you have spoken to someone at most credit providers at some point LOL
    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
    never-in-doubt wrote: »
    mate tell me more about hsbc telling you on phone about pre-approvals? I never knew this.....
    Sorry mate see #8
    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
  • PARIS_5000
    PARIS_5000 Posts: 868 Forumite
    No I am not a halifax customer. I was just looking into getting their credit card but I think it best to wait because I have enough credit.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    PARIS_5000 wrote: »
    No I am not a halifax customer. I was just looking into getting their credit card but I think it best to wait because I have enough credit.
    Oh ok, any reason the halifax card?
    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
  • PARIS_5000
    PARIS_5000 Posts: 868 Forumite
    That what haifax told me but some lenders may have different rules regarding searches.
This discussion has been closed.
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