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Sub Prime Credit Thread Part II

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Comments

  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    Any O/D or CC offered?

    The lady didn't mention anything. I'm going to ring them when I receive the card and ask. :)

    HSBC didn't give me an overdraft.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    TheEffect wrote: »
    I just checked both records. No search was made on either CRA.

    It either hasn't updated yet, or they didn't do a credit search because I had an account with them last year.
    May update overnight..... Sometimes you can see searches straight away, others take 48 hrs
    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
    cifpower wrote: »
    Whenever I have applied in the past they have always double searched so I am giving them a wide berth whilst I have that default.
    Yeah it may be a new thing.

    The impression I got was if you decide to open an account before the 21 /08/09 we will pre approve £500
    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
    cifpower wrote: »
    That would be nice. Prefer a few grand though!
    I must call them tommorow and ask for an update on mine
    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
    TheEffect wrote: »
    The lady didn't mention anything. I'm going to ring them when I receive the card and ask. :)

    HSBC didn't give me an overdraft.
    I think if it would have offered it she would have told you.

    What was HSBC reason for no O/D?
    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
    Sorry how is everybody anyway :)
    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
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    I think if it would have offered it she would have told you.

    What was HSBC reason for no O/D?

    Results from the CRA.

    My credit rating is improving. I had around 10 searches and 0 active accounts a few months ago (When I just turned 18), I've now got 13 searches, 7 in the last 3 months and 4 active accounts all reporting greens. If I lay off the searches and wait 6 months, everything should be fine. :)
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    TheEffect wrote: »
    The lady didn't mention anything. I'm going to ring them when I receive the card and ask. :)

    HSBC didn't give me an overdraft.
    TheEffect - When you log into HSBC OLB and click on the left hand side "Ideas & Offers" what do you see in there?
    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
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    TheEffect - When you log into HSBC OLB and click on the left hand side "Ideas & Offers" what do you see in there?

    'Save time by paying bills and managing your standing orders online.'
    'Could we save you money on your mortgage repayments? Find out more about our latest mortgage offers.'
    'Can or home insurance renewal, get a quote online'.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    TheEffect wrote: »
    'Save time by paying bills and managing your standing orders online.'
    'Could we save you money on your mortgage repayments? Find out more about our latest mortgage offers.'
    'Can or home insurance renewal, get a quote online'.
    Ok, mine mentions a loan I think
    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
This discussion has been closed.
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