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Sub Prime Credit Thread Part II
Comments
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Innocent_Guy wrote: »I just called Halifax, they think they will be able to match my account
Which account?
Are you actually going to apply though?0 -
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 01.07.100 -
Innocent_Guy wrote: »I know, its ridiculous
It's ludicrous!0 -
It's ludicrous!
There is no guarantee with anything. Why would effect get 3 cards but not offer O/D by HSBC? I get O/D and 1 card?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 01.07.100 -
HSBC also use Callcredit for some applications. Especially for credit cards.
Wasn't aware of that...........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 01.07.100 -
Innocent_Guy wrote: »There is no guarantee with anything. Why would effect get 3 cards but not offer O/D by HSBC? I get O/D and 1 card?
It could be absolutely anything. Maybe he has been overdrawn or had a returned item.
They base alot of decisions on their own internal scoring systems, don't they.0 -
It could be absolutely anything. Maybe he has been overdrawn or had a returned item.
They base alot of decisions on their own internal scoring systems, don't they.
Yes the internal score has a big impact.
Did you hear that NID got accepted for his loanBank 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 01.07.100 -
Innocent_Guy wrote: »Wasn't aware of that...........
Are you going to apply for an account with the Halifax?
It's better to ring them, as they will give you a instant decision, sometimes online they don't and you have to wait for a decision.0 -
Are you going to apply for an account with the Halifax?
It's better to ring them, as they will give you a instant decision, sometimes online they don't and you have to wait for a decision.
I am going to do it when my SDG show. I will prob go into a branch and do it.
Only downside with Halifax is Cif or NID had a letter saying that they do not like / accept more than 15 searches a year on your CF. I have more than that :rolleyes: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 01.07.100
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