Sub Prime Credit Thread Part II

colin13

victor-meldrew wrote: »

they deffinately do.well they did last week.they do soft and hard search on equifax.100%

i applied for 1 of these cards,,it asked if I wanted to do a balance transfer,I said no,,,I am with cap 1 at the mo,,was this a bad idea,,if I had agreed to balance transfere would I have had a better chance of acceptance

cifpower

Whether you ask for a BT or not has no effect on an application

victor-meldrew_4

sutton111 wrote: »

Have you applied for "the accessory card" as well Victor?

yes i got a possitive decline if that makes sense.i think i would have got one on appeal.but no more searches for me.
the o/h has got adams matercard,sygma.she got that instore.she should have got ciffas but didnt becuase she still gets credit.(ciffas for honest cavalier applications and not fruadulent ones)they just put her on tier b apr.
i never got ciffas from them.

TheEffect

I learned today why it's always handy to have a credit card with you. I went into Starbucks with a friend and my HSBC Debit Card was declined. They had no reason why. I thankfully had my Vanquis card on me.

sutton111

TheEffect wrote: »

I learned today why it's always handy to have a credit card with you. I went into Starbucks with a friend and my HSBC Debit Card was declined. They had no reason why. I thankfully had my Vanquis card on me.

Did you find out why they declined your debit card?

victor-meldrew_4

after all the fuss ive had this week with a current account,hsbc say no to basic if you have one already,come back in a month for account no probs,barclays woman peed me off,its all sorted.
applied online with abbey and just got email.account is opened,cards and pin on the way.requested no id just one bank statement to return.sent links for extras if i want them,i said no to overdraft etc.
havent checked experian yet.but as i say the account is open so that will do.result

sutton111

victor-meldrew wrote: »

after all the fuss ive had this week with a current account,hsbc say no to basic if you have one already,come back in a month for account no probs,barclays woman peed me off,its all sorted.
applied online with abbey and just got email.account is opened,cards and pin on the way.requested no id just one bank statement to return.sent links for extras if i want them,i said no to overdraft etc.
havent checked experian yet.but as i say the account is open so that will do.result

What account did you get from Abbey? What debit card?

victor-meldrew_4

sutton111 wrote: »

What account did you get from Abbey? What debit card?

i cant honestly answer that.
i just clicked on their current account tailored to you link.
when asked i clicked the using as a bill paying account option.
declined an overdraft and that was it apart from usuall stuff.
visa debit but if i want cheque book they sent me the link and a link for overdraft.all they would need is proof of my o/d.
no credit checks are showing though.actully they offered an option to have an other account if they could give me the one i applied for,but that wasnt the basic one so ill wait and see.
when i know exactly ill let you know

victor-meldrew_4

sutton111 wrote: »

What account did you get from Abbey? What debit card?

it was the prefered in credit account i applied for

duggie1982

Well i got my Lloyds TSB classic current account today to my surprise as rbs wont upgrade my cashline card. It least i now have a proper debit card and i have 4 defaults and ccj on my credit file.