Sub Prime Credit Thread Part III

UncleSimit

MasterSimit wrote: »

Same here.


Anyone know what Flybe are like for acceptance? I''ve got to wait a long 7-10 working days for the dreaded decision.

My Equifax file is pretty clean, bar about 5 recent-ish searches and couple months late payments from 2005, though I'm still not banking on good news.

Well I've just checked my EQ file and Sygma Bank have done their search. I wonder if I can phone to find out the decision rather than wait the 7-10 days?

I've got to go Barclays and sort some stuff out too. I'm tempted to apply for their Credit Builder whilst there as I know they search EQ only aswell. Either that or head for the SOS club .

seeya23

MasterSimit wrote: »

Well I've just checked my EQ file and Sygma Bank have done their search. I wonder if I can phone to find out the decision rather than wait the 7-10 days?

I've got to go Barclays and sort some stuff out too. I'm tempted to apply for their Credit Builder whilst there as I know they search EQ only aswell. Either that or head for the SOS club .

i would phone Sygma Bank and see if you got it

UncleSimit

seeya23 wrote: »

i would phone Sygma Bank and see if you got it

Just did but they said there's nothing on screen with regards to a decision as of yet.

ElkyElky

Well I hope Sygma Bank favours us sub-primers. I'm currently waiting on a decision about the Flybe card.

Their interest rates and credit limits are quite attractive. I fit the application criteria and a near perfect credit history.



How many credit cards is considered to be "too much"?

tatty_teddy_3

MasterSimit wrote: »

Just did but they said there's nothing on screen with regards to a decision as of yet.

If you phoned & a decision had been amde they would have been unable to tell you the decision over the phone asdetials as to why an application had been declined are sent to yourself & not kept on screen. If they couldn't tell you over the phone it's more than likely been declined.

seeya23

ElkyElky wrote: »

Well I hope Sygma Bank favours us sub-primers. I'm currently waiting on a decision about the Flybe card.

Their interest rates and credit limits are quite attractive. I fit the application criteria and a near perfect credit history.



How many credit cards is considered to be "too much"?

have you phone them up to see if it yes or no 0121 712 9000

cap one tell you over the phone

davethorp

grrrr no limit increase from JD Williams this month. Still on £900

claire6hy

is it jus me or do jd williams/jacamo etc sell overpriced stuff?

cifpower

claire6hy wrote: »

is it jus me or do jd williams/jacamo etc sell overpriced stuff?

Yes it is overpriced but if you need to buy on credit most catalogues charge more than the high street.

claire6hy

cifpower wrote: »

Yes it is overpriced but if you need to buy on credit most catalogues charge more than the high street.

ahh right
i only use littlewoods/additions