Sub Prime Credit Thread Part II

allthingsconsidered2009

sutton111 wrote: »

Well Done. Told you they would accept you.

I forgot to ask what APR they have given me

allthingsconsidered2009

Just called back. Told the APR on this card is 34.8%. Yikes!!!!!!

seeya23

HSBC Credit Card. Limit £4000. Balance £1000

WHY WOULD YOU WANT A VANQOIS WHEN YOU HAVE A HSBC CARD

allthingsconsidered2009

seeya23 wrote: »

HSBC Credit Card. Limit £4000. Balance £1000

WHY WOULD YOU WANT A VANQOIS WHEN YOU HAVE A HSBC CARD

My personal banking is with HSBC. Nobody outside of HSBC would give me a credit card until now.

sutton111

allthingsconsidered2009 wrote: »

My personal banking is with HSBC. Nobody outside of HSBC would give me a credit card until now.

That APR is excellent for Vanquis. My Dad has the same % rate but My Mum and Brother is higher.

I thing that's a good rate personally.

makes_cents

I've just been accepted for the Aqua credit card which gives me a chance to repair the damage done to my credit rating.

This is my first credit card, which I only bought as a way to "up my score". Does anyone have any tips to manage it effectively?

Thanks.

MC

londonuk2008

evening folks - hows it going?

GeenyWeeny

allthingsconsidered2009 wrote: »

I applied for Vanquis yesterday and did not get an instant decision (:

I just rang up to ask them for news and they said I've been approved

The starting limit is £250 (:

nice one! knew you'd get it

GeenyWeeny

makes_cents wrote: »

I've just been accepted for the Aqua credit card which gives me a chance to repair the damage done to my credit rating.

This is my first credit card, which I only bought as a way to "up my score". Does anyone have any tips to manage it effectively?

Thanks.

MC

ooh, i'd like an answer to this one too please- but for vanquis

allthingsconsidered2009

Vanquis did say that were I to take a cash advance on the card the APR for the cash advance would be 41.02%

What are their "typical" APR rates then?