want to get a proper credit card

sussan_2

:money: i checked my score it is 710.do you think with this score i can get a proper credit card i hav been banking with alliance and leicester for a year now i dont hav an overdraft i have a vanquis card with a 1250 credit limit.i got the vanquis to build my credit rating in May 2008 with a 250 limit.They hav since raised that to 1250.When i got the vanquis my score was 180 and 8 months on its now 710.Now am looking forward to get a proper credit card i dont hav any CCJs or missed payments only beginning of last year had a lot of searches.

sutton111

sussan wrote: »

:money: i checked my score it is 710.do you think with this score i can get a proper credit card i hav been banking with alliance and leicester for a year now i dont hav an overdraft i have a vanquis card with a 1250 credit limit.i got the vanquis to build my credit rating in May 2008 with a 250 limit.They hav since raised that to 1250.When i got the vanquis my score was 180 and 8 months on its now 710.Now am looking forward to get a proper credit card i dont hav any CCJs or missed payments only beginning of last year had a lot of searches.

Try applying for a mainstream card. You won't know if you don't try.

Try http://www.flybe.com/card/default.htm They seem good for people with an improved credit history.

noah271007

sutton111 wrote: »

Try applying for a mainstream card. You won't know if you don't try.

Try http://www.flybe.com/card/default.htm They seem good for people with an improved credit history.

Who is eligible to apply for a Flybe Card?
UK (including Isle of Man and Channel Islands) residents aged 18 years and over and over with a UK (including Isle of Man and Channel Islands) bank or building society account. You will need to provide a landline telephone number for home or work and have a regular source of income through full-time or part-time employment of more than 16 hours per week (this can be you or your partner), or be a student, retired or on incapacity benefit. Finally, you need to have a clean credit history, ie, no arrears, defaults, County Court Judgments (CCJs), bankruptcies or Individual Voluntary Agreements (IVAs). You will also need to provide an active email address in order for you to register with the Rewards4all programme.

I would doubt whether they accept people who have an "improved credit history"

Unless someone can tell me they had bad credit history but somehow managed to get the flybe card???

sutton111

noah271007 wrote: »

Who is eligible to apply for a Flybe Card?
UK (including Isle of Man and Channel Islands) residents aged 18 years and over and over with a UK (including Isle of Man and Channel Islands) bank or building society account. You will need to provide a landline telephone number for home or work and have a regular source of income through full-time or part-time employment of more than 16 hours per week (this can be you or your partner), or be a student, retired or on incapacity benefit. Finally, you need to have a clean credit history, ie, no arrears, defaults, County Court Judgments (CCJs), bankruptcies or Individual Voluntary Agreements (IVAs). You will also need to provide an active email address in order for you to register with the Rewards4all programme.

I would doubt whether they accept people who have an "improved credit history"

Unless someone can tell me they had bad credit history but somehow managed to get the flybe card???

Well you're wrong.

I wouldn't post this if I didn't know. Alot of people in the "sub prime club" have been accepted for this card.

So please get you facts right before casting aspersions.

sussan_2

sorry NOAH27 i jus wanted some help.i dont understand what do u mean that they dont accept people with an improved credit rating.Tell me wats the difference btwn an improved credit rating and a good credit rating.My credit rating has improved so you are saying that i cant get a card.

noah271007

sutton111 wrote: »

Well you're wrong.

I wouldn't post this if I didn't know. Alot of people in the "sub prime club" have been accepted for this card.

So please get you facts right before casting aspersions.

Alright just chill out sutton!!:cool: Apart from Flybe credit card, are there other mainstream credit cards that are known to accept people with fair credit history?

sutton111

noah271007 wrote: »

Alright just chill out sutton!!:cool: Apart from Flybe credit card, are there other mainstream credit cards that are known to accept people with bad credit history?

There are not many mainstream card which will accept people with a less than perfect credit history these days.

Other than Flybe as i mentioned, there is really only MBNA. They do a classic card which some "sub primers" have again been successful in getting, but only after paying a £100 deposit. The deposit is returned after 6 payments made on time.

Doshamento

noah271007 wrote: »

I would doubt whether they accept people who have an "improved credit history"

Unless someone can tell me they had bad credit history but somehow managed to get the flybe card???

That's not a very positive attitude or encouragement for the poster?


If people, who have been trying to rebuild their credit history over several months with cards that were only available to them at the time ie Capital 1 Classic, Vanquis etc were not to take the 'plunge' and apply for a better card and with a lower APR after several months of holding them, then they would be stuck with a Credit Rebuilding Card forever.


The Poster has stated that they have no CCJs, missed payments, a few searches etc and have held a Vanquis Card for 8 months which has shown payment history.

I'm guessing 8 months repayments of another Credit Card should appear to Flybe as a good indicator as payment history.


Unless the poster has 'tons' of credit searches on ur Credit Files, then I see no reason why they should not apply.

noah271007

sussan wrote: »

sorry NOAH27 i jus wanted some help.i dont understand what do u mean that they dont accept people with an improved credit rating.Tell me wats the difference btwn an improved credit rating and a good credit rating.My credit rating has improved so you are saying that i cant get a card.

Have you got any adverse data like defaults or late payments on your file? If you have not, and you got lots of series of green O s, then you have a good credit history - but if you are just starting out then i would class this as improving credit rating or missed payments from few years ago would be classed as improved credit rating.

Like Sutton said, you dont know until you apply!
Go for it.

sussan_2

just tried flybe on their website.the website is saying it can not open the web page.is they something wrong with their website ?

sutton111

It looks that way. Try again later i suggest.

Have you tried your own bank A&L. They already have a relationship with you and if you have had a good record with them, that may be the best place to start.

If you don't want to wait try a normal lender I.E Egg, MBNA,and M&S to name a few. The decision is yours