How to get back on the credit ladder

sutton111

Why have you posted that link?

Innocent_Guy

sutton111 wrote: »

Why have you posted that link?

Do you mean they don't have a debit card or a basic bank account

sutton111

Innocent_Guy wrote: »

Are you planing on joining our application ban? I am aware you havent applied for anything since february.......... I am applying for cap one and then halifax maybe and then no more for six months

I'm waiting until the beginning of October.

Innocent_Guy

sutton111 wrote: »

I'm waiting until the beginning of October.

NID suggests that I wait until my SDG show on my CF before making my Cap One app;)

sutton111

Innocent_Guy wrote: »

Do you mean they don't have a debit card or a basic bank account

I meant they don't have a debit card on their basic account. It's just an ATM card.

Innocent_Guy

sutton111 wrote: »

I meant they don't have a debit card on their basic account. It's just an ATM card.

kool............

never-in-doubt

Sutton/Innocent - I rung my branch today and was confirmed that they issue visa debit cards for all non standard ones; i.e. non cheque cards. They only do Visa debit and existing Maestro, if I got a new Plus account my card would not be Maestro but a visa 3-in-1.

A basic would get me a 2-in-1 visa debit with no chq/gtee and it'd be full auth..... is it therefore a branch thing or something that is going through change? Maybe SS can confirm........

I rung HBOS today - accepted for loan - I said thanks, stick it and hung up! I don't want nowt from them let alone a ruddy loan (sober now)....... :rotfl:

Innocent_Guy

never-in-doubt wrote: »

Sutton/Innocent - I rung my branch today and was confirmed that they issue visa debit cards for all non standard ones; i.e. non cheque cards. They only do Visa debit and existing Maestro, if I got a new Plus account my card would not be Maestro but a visa 3-in-1.

A basic would get me a 2-in-1 visa debit with no chq/gtee and it'd be full auth..... is it therefore a branch thing or something that is going through change? Maybe SS can confirm........

I rung HBOS today - accepted for loan - I said thanks, stick it and hung up! I don't want nowt from them let alone a ruddy loan (sober now)....... :rotfl:

HSBC have stopped Maestro....... My friend, the guy with the silver card has a 2-in-1.

Most HSBC customers will not be offered a CGC this is something you normallywill have to request....

You oseriously got offered the loan! WOW

never-in-doubt

Innocent_Guy wrote: »

HSBC have stopped Maestro....... My friend, the guy with the silver card has a 2-in-1.

Most HSBC customers will not be offered a CGC this is something you normallywill have to request....

You oseriously got offered the loan! WOW

Yea, I said that they don't issue Maestro above you divvy! I know what you're saying regards cg but they do give it as standard if you pass credit score (i.e. 50+)..... you don't walways have to request it mate cos it doesn't cost much to add it after all..... does your mate have a basic or advance account? Is his a full auth card, i.e can;t use on trains/planes or tesco fuel pay at pumps...?

Yes got offered loan, 15.9% £5k @ £250pm for 48mths.... I told em to freak orf lol :rotfl:

Innocent_Guy

never-in-doubt wrote: »

Yea, I said that they don't issue Maestro above you divvy! I know what you're saying regards cg but they do give it as standard if you pass credit score (i.e. 50+)..... you don't walways have to request it mate cos it doesn't cost much to add it after all..... does your mate have a basic or advance account? Is his a full auth card, i.e can;t use on trains/planes or tesco fuel pay at pumps...?

Yes got offered loan, 15.9% £5k @ £250pm for 48mths.... I told em to freak orf lol :rotfl:

:p:p:p The letter I got from HSBC said my maestro is soon to expire I can expect to see the visa symbol on my new card, visa is more secure blah blah, some of our customers may notice there cheque guarntee feature dissappear however call us on 08457 404 404 if you do require this feature ( something along those lines )

Not sure what account he has but will deffo find out..