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Sub Prime Credit Thread Part III

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Comments

  • seeya23
    seeya23 Posts: 2,330 Forumite
    about 5 to 10 days
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    seeya23 wrote: »
    about 5 to 10 days

    lucky you! I done mine at New year so maybe they were influxed with all the new xmas debtors LOL
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Parki_2
    Parki_2 Posts: 570 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Why do they need to phone you up? Is that when they make their decision?
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Parki wrote: »
    Why do they need to phone you up? Is that when they make their decision?

    No mate, if they ring then its to sell you PPI and offer cash advance - just decline both! If they ring it means you already been accepted but it is part of their checks.....

    If you get missed calls or a call from them you've got it - usually £250 limit.
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • davethorp
    davethorp Posts: 1,578 Forumite
    Part of the Furniture 1,000 Posts
    Re: My 1st Direct application.... see here - http://forums.moneysavingexpert.com/showthread.html?t=1682195

    Woah, just rung 1st Direct:

    Got the first account - £1500 o/d
    Got the CC with a £6400 limit

    I am gobsmacked!

    Drinks are on you then. Try and max that card out faster than I max mine out..... actually don't! You'll be paying it off til your 300
  • seeya23
    seeya23 Posts: 2,330 Forumite
    to try and sell you card cover
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    davethorp wrote: »
    Drinks are on you then. Try and max that card out faster than I max mine out..... actually don't! You'll be paying it off til your 300

    Beers will be on me if I get it, but i'll do loads of BT's and put other cards into credit so its interest free longer lol......

    we'll see, nothing is guaranteed yet mate - they can still decline me later and i'd hate them to ring my work! I've got another discipline tomorrow - haha - i'm always stoned you see!
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Parki_2
    Parki_2 Posts: 570 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    £250 isnt very impressive but I probably wont get anything but a decline now! Well I can handle waiting 5-10 days as 1 out of 3 isnt bad considering my crappy credit file.
  • Parki_2
    Parki_2 Posts: 570 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Beers will be on me if I get it, but i'll do loads of BT's and put other cards into credit so its interest free longer lol......

    we'll see, nothing is guaranteed yet mate - they can still decline me later and i'd hate them to ring my work! I've got another discipline tomorrow - haha - i'm always stoned you see!

    How can they tell your stoned? Do they check your pee to confirm it? I just say im tired and lacking vitality.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Parki wrote: »
    How can they tell your stoned? Do they check your pee to confirm it? I just say im tired and lacking vitality.

    my boss catches me skinning up or smoking it! I try and blag him saying they imported roll-up baccy thats snides..... so I get warnings all the time
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
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