Sub Prime Credit Thread Part II

young_victor_meldrew

Vote with your feet, walk out and bank elsewhere. Co-Operative treat sub-primers quite well.

TheEffect

I was very naughty today. I realized that yesterday for 3 months since I applied for a BarclayCard Initial, so I applied again today.

Not only was it naughty applying, as I'm trying to limit the searches, but I was even more naughty when I slightly overexagerated on my income. :eek:

Still got the 'We need more time', phoned them 5 minutes after applying and they said it still needs to be looked at. Might give them a ring in an hour, see if they've looked at it.

Am I the only 18 year old that has a problem with that apply button? (Might need to go an AA meeting, but the topic being credit lol)

sutton111

TheEffect wrote: »

I was very naughty today. I realized that yesterday for 3 months since I applied for a BarclayCard Initial, so I applied again today.

Not only was it naughty applying, as I'm trying to limit the searches, but I was even more naughty when I slightly overexagerated on my income. :eek:

Still got the 'We need more time', phoned them 5 minutes after applying and they said it still needs to be looked at. Might give them a ring in an hour, see if they've looked at it.

Am I the only 18 year old that has a problem with that apply button? (Might need to go an AA meeting, but the topic being credit lol)

When you say "slightly exaggerated" your income, how much did you exaggerate it by?

Barclaycard are a big user of National Hunter. Be very careful.

TheEffect

sutton111 wrote: »

When you say "slightly exaggerated" your income, how much did you exaggerate it by?

Barclaycard are a big user of National Hunter. Be very careful.

I usually put between 7k to 8K on my applications, which includes my income, plus any benefits I receive. On the BarclayCard Initial, I put where I work and then put 9K income.

I switch between part time and full time, as I do part time when I'm at 6th form, and full time over easter break, summer break and any other weeks off I have. I finish 6 form in 4 weeks, which is when I start my new job as a support teacher, which will make my income around 14K, so I should have really waited a month, then put 14K on my application.

sutton111

TheEffect wrote: »

I usually put between 7k to 8K on my applications, which includes my income, plus any benefits I receive. On the BarclayCard Initial, I put where I work and then put 9K income.

I switch between part time and full time, as I do part time when I'm at 6th form, and full time over easter break, summer break and any other weeks off I have. I finish 6 form in 4 weeks, which is when I start my new job as a support teacher, which will make my income around 14K, so I should have really waited a month, then put 14K on my application.

Ah, I see.

Did you put down your new employment on your application form?

TheEffect

No, my current employment details.

TheEffect

Equifax just emailed back telling me they're contacting the organizations who ran multiple searches on me, leaving me with 5/6 searches that I shouldn't have on my file.

sutton111

TheEffect wrote: »

No, my current employment details.

Oh. I would wait to see what comes back from Barclaycard.

I wouldn't know what to advise really, Effect.

Do you think there could be a problem with the application?

sutton111

TheEffect wrote: »

Equifax just emailed back telling me they're contacting the organizations who ran multiple searches on me, leaving me with 5/6 searches that I shouldn't have on my file.

I still haven't raised my complaint with O2 yet about the double searches.

TheEffect

Have no idea. I'll give them a ring at 6pm.