Sub Prime Credit Thread Part II

Gazzy_B_2

I applied for Vanquis 3 weeks ago now, they searched my Experian report (twice!), and have heard nothing.

How long does it normally take?

allthingsconsidered2009

Gazzy_B wrote: »

I applied for Vanquis 3 weeks ago now, they searched my Experian report (twice!), and have heard nothing.

How long does it normally take?

Phone them up right away. Their phone number is on vanquis.co.uk

Gazzy_B_2

Will give them a call tommorow.

Also, been reading up about the Flybe card.

I have four defaults on my Equifax file, two relate to a Hire Purchase repo, following losing my job last year, although i'm making payments to that, and the other two relate to a CC and Loan, once again, am making repayments.

What's their criteria regarding defaults?, does anyone have one in a similar situation?

allthingsconsidered2009

Gazzy_B wrote: »

Will give them a call tommorow.

Also, been reading up about the Flybe card.

I have four defaults on my Equifax file, two relate to a Hire Purchase repo, following losing my job last year, although i'm making payments to that, and the other two relate to a CC and Loan, once again, am making repayments.

What's their criteria regarding defaults?, does anyone have one in a similar situation?

I've no idea what they are like re defaults Gazzy. I'm very tempted to apply to them as well. I do recall reading that they give all applicants CIFAS markers though so that would be a bit of a bummer.

anyone know whether Flybe take people with not that much credit history?

Gazzy_B_2

Can't imagine receiving a CIFAS marker, if you're honest on the application though

Just applied for an Accessory Card, as I have some good standing JD Williams accounts, will keep you updated on the result, just got the 'We'll contact you in 10-14 days' message for now. :rolleyes:

TheEffect

I want to push my luck and apply for a HSBC Credit Card. I've only been with them a month and only have an income of 6.5k (I'm a student). I have 0 credit history and 9 searches within the last 6 months and no active accounts (As of yet, awaiting for my Aqua card to come through).

I've already been turned down online when I applied for a £50 overdraft.

Is it worth applying, or it a waste of time and more damage to my credit rating?

fairmorn308

evening all

Gazzy_B_2

Probably worth waiting at least 6 months until you've got some payment history on your Aqua card, and so your previous searches dissapear.

Acceptable searches are classed as 5 in 6 months iirc.

allthingsconsidered2009

Gazzy - who runs the Accessory Card?

sutton111

allthingsconsidered2009 wrote: »

Gazzy - who runs the Accessory Card?

Sygma

They run Flybe, JJB as well.