Sub Prime Credit Thread Part II

never-in-doubt

Innocent_Guy wrote: »

£2400 - Overdraft
£250 Vanquis
£500 Littlewoods
£500 Empire
£125 Jacamo
Iphone

Can't remember what else

Have I missed anything

I suppose its not alot at all really

Mate, what have I missed?

Where did the SDG accounts come from (Littlewoods/Empire).....

cifpower

Afternoon team!

victor-meldrew_4

Innocent_Guy wrote: »

Hi there,

If it says to you only a soft search will be carried out, all they are doing is making sure you haven't gone bankrupt or have multiple missed payments. The amount of searches wouldn't really matter.

If it is worded the way you say it is, and you require the loan, then apply for it. The worse that can happen is that you will have a soft search on file but this has no impact on your credit rating.

Apply and advise us of the outcome

Thanks.makes perfect sense what your saying.I was tempted to borrow 4500.That would clear every debt i have.I have been silly this month and added too many searches for mainstream cards.I could and should have appealed them.
My only concern is the "cant have been declined in the last month"
Perhaps ill try calling.it does say rates offered are different on the phone.doesnt mention better or worse.
THANKS

victor-meldrew_4

sutton111 wrote: »

I have DD's on mine. I have set them up for minimum.

They slightly reduce the apr if you pay atleast the minimum by dd.I run 5 of that group for myself and 5 for o/h.Kays has always given best increases and limits.Although when the balance would sit at zero,no increases for ages.Bought something £20,instant increase.
We both had 2 each for a while.Then one day i did 3 each in the same hour.Mine came back with 800,800,850.O/H 1000 ,1000,1050.
Grattans and freemans,not mentioned much on here are also good with limits also.

sutton111

victor-meldrew wrote: »

They slightly reduce the apr if you pay atleast the minimum by dd.I run 5 of that group for myself and 5 for o/h.Kays has always given best increases and limits.Although when the balance would sit at zero,no increases for ages.Bought something £20,instant increase.
We both had 2 each for a while.Then one day i did 3 each in the same hour.Mine came back with 800,800,850.O/H 1000 ,1000,1050.
Grattans and freemans,not mentioned much on here are also good with limits also.

I requested a catalogue from Freemans some months back. No credit check was done neither did i hear from them.

cifpower

sutton111 wrote: »

I requested a catalogue from Freemans some months back. No credit check was done neither did i hear from them.

I tried to order something from them initially but received a phone call a few days later saying it was above my credit limit of £100. As a result I didn't order anything. I have never received a catalogue from them but they did search Experian. The account is still active on my CRs and am getting green 0

sutton111

cifpower wrote: »

I tried to order something from them initially but received a phone call a few days later saying it was above my credit limit of £100. As a result I didn't order anything. I have never received a catalogue from them but they did search Experian. The account is still active on my CRs and am getting green 0

I never ordered anything, perhaps that's why they never did a credit search.

How long have you had your account?

cifpower

Since the 24th January 09. Was searched on the same date

sutton111

cifpower wrote: »

Since the 24th January 09. Was searched on the same date

Did you just request the catalogue or buy something first?

cifpower

I tried to buy something first but, as I say, it was above the limit they gave me (I didn't know what the limit was til I was telephoned)