Sub Prime Credit Thread Part III

davethorp

Brian1966 wrote: »

That's weird not getting any increases.
Does she use the accounts? If not it may be worth spending £50 on each, paying it off say in 2 halves to see if it makes a difference

She uses her accounts more or less same as I do. Certainly same as I've been using my fashion world account (pay min payment, repeat a few times, buy something, repeat!)

cifpower

davethorp wrote: »

A lot of bolognese sauces do. Gordon Ramsay's recipe for it does and thats the one we make most often

Well I didn't like it one bit. It wasn't very tomatoey and the only thing I could taste was the wine. Next time I'll stick to my Ragu.

davethorp

cifpower wrote: »

Well I didn't like it one bit. It wasn't very tomatoey and the only thing I could taste was the wine. Next time I'll stick to my Ragu.

I'll stick to home cooked :D

TheEffect

I applied for the Barclays Account. I decided I'm going to use it instead of HSBC and close HSBC (they have been useless).

When applying for the barclays account online, I filled out the application, it did a credit/fraud search, then asked me multiple questions such as what credit card did I open in April and what was the limit, I passed this bit (it said I don't need to send ID to them now I've done that section). It got to the end. and I had to print off the application and send it with to barclays with a cheque from my other account (cheque is for fraud or something like that).

It seas i can still be declined though. Now I'm itching to know if I got accepted declined. I've got 9 searches in the last 3 months and 20 searches in the last 6 months, so not sure Barclays will look to favourably on that.

Would they have straight out declined me if I failed credit scoring?

never-in-doubt

TheEffect wrote: »

I applied for the Barclays Account. I decided I'm going to use it instead of HSBC and close HSBC (they have been useless).

When applying for the barclays account online, I filled out the application, it did a credit/fraud search, then asked me multiple questions such as what credit card did I open in April and what was the limit, I passed this bit (it said I don't need to send ID to them now I've done that section). It got to the end. and I had to print off the application and send it with to barclays with a cheque from my other account (cheque is for fraud or something like that).

It seas i can still be declined though. Now I'm itching to know if I got accepted declined. I've got 9 searches in the last 3 months and 20 searches in the last 6 months, so not sure Barclays will look to favourably on that.

Mate i've got over 150 searches in the last 6mths so trust me, its not as bad as it could be lol

good luck btw - first said no to me :mad:

Rose123

they did the same to me and the nexxt letter i got in the post was my account details

I thought it was an accept when they get u to sign the agreement as they do the searches there and then, i dunno

Rose123

never-in-doubt wrote: »

Mate i've got over 150 searches in the last 6mths so trust me, its not as bad as it could be lol

good luck btw - first said no to me :mad:

im wondering how you got so many searches, lol

TheEffect

never-in-doubt wrote: »

Mate i've got over 150 searches in the last 6mths so trust me, its not as bad as it could be lol

good luck btw - first said no to me :mad:

That's unlucky. I also got declined by 1st, twice! :rotfl:
Halifax also said no to a current account.
Hoping barclays will give me an account. They seem quite a professional bank, but I hate their telelphone banking = india

HSBC is also india though, and I've had quite a few problems with them.

cifpower

Its like throwing mud against a wall - summat's gotta stick!

Rose123

TheEffect wrote: »

That's unlucky. I also got declined by 1st, twice! :rotfl:
Halifax also said no to a current account.
Hoping barclays will give me an account. They seem quite a professional bank, but I hate their telelphone banking = india

HSBC is also india though, and I've had quite a few problems with them.

You'll find Barclays= India too

I went on there to report a suspected fraud once and came off the phone with a savings account :eek: !!!!!!??????????

I guess the indians know how to sell, lol