Sub Prime Credit Thread Part III

never-in-doubt

LOL - its a habit, I really gotta start behaving tut tut - hoping they use my internal score you see.... will let you know how I get on (also applied for their gold card LOL)

Doshamento

naijapower wrote: »

No, not at the moment......maybe in the near future

What credit do you currently have matey?

sutton111

naijapower wrote: »

He is one of the best but he has failed. I judge people based on result and i feel that's a fair way to do it.
Check this out, we won double etc with a mix of youth and experience.
Hence i dont understand this experimentation of child trafficking which wont get us anywhere.

I can't argue with that!! :cool:

At least the media go easy on Arsenal unlike a few other clubs! :rolleyes:

never-in-doubt

TheEffect wrote: »

Ring them and find out if you was accepted. Usually they tell you within an hour of applying if it was a straight decline.

But I got HSBC so I hope it wouldn't straight decline - would it? Thought my internal bahviour score would count..... hmmm, i'll ring tomorrow morning i think!

sutton111

never-in-doubt wrote: »

LOL - its a habit, I really gotta start behaving tut tut - hoping they use my internal score you see.... will let you know how I get on (also applied for their gold card LOL)

I would like a First Direct account, their customer service is meant to be exceptional.

never-in-doubt

sutton111 wrote: »

I would like a First Direct account, their customer service is meant to be exceptional.

yea thats why I went for it, been with HSBC 6mth now so fingers crossed - never used o/d once and always pay bills - never miss anything. Hope it counts towards helping approve me lol

Ive heard they can be like natwest though and decline after you return forms - hope not!

TheEffect

never-in-doubt wrote: »

But I got HSBC so I hope it wouldn't straight decline - would it? Thought my internal bahviour score would count..... hmmm, i'll ring tomorrow morning i think!

I got a straight decline in March. I heard if you apply for a credit card with your current account, if you don't meet the criteria for the credit card, they decline the whole application, which is why I didn't put the credit card on my application I made yesterday, which was accepted.

Then I stupidly told them I applied 2 months ago, so they're likely to cancel it tomorrow.

Ring and ask them.

never-in-doubt

TheEffect wrote: »

I got a straight decline in March. I heard if you apply for a credit card with your current account, if you don't meet the criteria for the credit card, they decline the whole application, which is why I didn't put the credit card on my application I made yesterday, which was accepted.

Then I stupidly told them I applied 2 months ago, so they're likely to cancel it tomorrow.

Ring and ask them.

ahh !!!!!!, maybe I shot myself in the foot then by asking for card! What ring them now? at this time, no one will be able to say owt to me as I applied like 5 mins ago!

Doshamento

sutton111 wrote: »

I would like a First Direct account, their customer service is meant to be exceptional.

Customer Service may prove exceptional....getting one of their accounts has proved beyond me, in my past and present circumstances.

sutton111

never-in-doubt wrote: »

yea thats why I went for it, been with HSBC 6mth now so fingers crossed - never used o/d once and always pay bills - never miss anything. Hope it counts towards helping approve me lol

Ive heard they can be like natwest though and decline after you return forms - hope not!

On the Natwest note, I despise them. I never went O/D never had a returned item etc, would they give me a full bank account would they hell.

I've used this phrase before, but they wouldn't give you the steam off their p*ss!! :mad: