V A N Q U I S

BugsyBrowne

tfd just looked on my experian and equifax..but my equifax is better have not done the scores on each of them,there are loads and loads of searches on experian ,but only 1 on equifax and my report dont look to bad on equifax,ive checked on the thread about which companies use who ,and i am now going to try stroud and swinton bs,cambridge bs,and leeds bs..for there credit cards do they defiantly use them if they do i will hit apply button.

izools

star-fire wrote: »

tfd just looked on my experian and equifax..but my equifax is better have not done the scores on each of them,there are loads and loads of searches on experian ,but only 1 on equifax and my report dont look to bad on equifax,ive checked on the thread about which companies use who ,and i am now going to try stroud and swinton bs,cambridge bs,and leeds bs..for there credit cards do they defiantly use them if they do i will hit apply button.

Sygma Bank are the most lenient creditor who search Equifax... well the Silver card is about on a par with the Barclaycard Initial in regard to score pass mark. They both search equifax.

Other credit card companies search equifax but also search experian.

Barclaycard and Sygma are the only two to search Equifax exclusively.

If you get turned down for the Silver card and Barclaycard Initial I'd say you've not got a hope in hell until you grab yourself a Vanquis & Cap 1 Classic, wait a year, and try again

SYCISFI

Does anyone know do they ever start ppl off with more than £500.00 or is this the max limit they normally start with?

izools

SYCISFI wrote: »

Does anyone know do they ever start ppl off with more than £500.00 or is this the max limit they normally start with?

Start can be upto a grand but the vast majority of the time it's £250 to begin with

samhuzz

WEEGIE wrote: »

I was accepted when I applied on-line, heard nothing for three weeks so I contacted them and was told by letter six weeks later no go. I still get e-mails from them every 3/4 weeks trying to tempt me to apply for a CC.

They offered me one by post, then refused me. But they still keep on asking if I want one!

izools

star-fire wrote: »

izools on that who uses who thing it says them 3 i said uses them,on experian ive tried from asda to sainsburys back to tescos,to rbs lloyds,halifax,mbna,hsbc,first direct,sygma thats on my equifax,abbey,co-op..capital one platinum

Then they're Brands of Barclaycard.

BugsyBrowne

think barclaycard may have turned me down along the way

izools

Well then, get ready for three straight declines / referrals followed by declines :beer:

SYCISFI

izools wrote: »

Start can be upto a grand but the vast majority of the time it's £250 to begin with

Ah ok, I got £500.00 but not sure what rate its at though yet I did call back to ask them and they said it will tell me on the letter they said me

izools

TBH regardless of the rate it will be extortionate. Also remember they quote the simple (non-compounding) interest on the letter, not the APR, if for example it states your interest rate as 34.7% it's actually 39.9% APR