Sub Prime Credit Thread Part III

sutton111

TheEffect wrote: »

I applied with Lloyds last week. Got offered either a Classic or Silver account after they had done a credit check. I chose the Classis as it's free. No overdraft though. They said ring back in 3 months for an overdraft as they want to see some money go into the account.

I wonder if you'll get a cheque guarantee Effect.

Brian1966

sutton111 wrote: »

Ah Coutts, I forgot you were posh Mr Simply B. :rotfl::rotfl:

That's correct :rotfl:
I have even started to use the quick pay envelopes in branch to avoid queueing up with the COMMON people or peasants :rotfl::rotfl:

sutton111

Brian1966 wrote: »

That's correct :rotfl:
I have even started to use the quick pay envelopes in branch to avoid queueing up with the COMMON people or peasants :rotfl::rotfl:

:rotfl::rotfl::rotfl:

Brian1966

sutton111 wrote: »

:rotfl::rotfl::rotfl:

Every time I come on here I get the urge to apply for something :j

sutton111

Brian1966 wrote: »

Every time I come on here I get the urge to apply for something :j

I know, I want a HSBC Plus account or an Halifax Ultimate reward account.

I'm getting annoyed with Abbey's appalling customer service. Furthermore I want a multifunction card. :mad:

duggie1982

I got a Lloyds TSB Classic last week. got the visa in the other day and upgraded to Silver account. no O/D or CGC

duggie1982

Is it better to use my high interest cards and pay in full each month? Does it look better for lenders? Got the 2 cards below as always use my works visa

Brian1966

sutton111 wrote: »

I know, I want a HSBC Plus account or an Halifax Ultimate reward account.

I'm getting annoyed with Abbey's appalling customer service. Furthermore I want a multifunction card. :mad:

I keep looking at Barclays Premier, £25 per month though which pus me off slightly.
Applied for Abbey myself last year, got accepted online then a few days later an E-mail to say, only basic account can be offered.
Rang them up to accept in hope of getting more brownie points on credit file, advisor assured me everything would be with me in 5 days, 8 months later I'm still waiting :mad:

TheEffect

Do you get a silver card instead of the green monstrosity when you upgrade to silver from classic with tsb?

sutton111

Brian1966 wrote: »

I keep looking at Barclays Premier, £25 per month though which pus me off slightly.
Applied for Abbey myself last year, got accepted online then a few days later an E-mail to say, only basic account can be offered.
Rang them up to accept in hope of getting more brownie points on credit file, advisor assured me everything would be with me in 5 days, 8 months later I'm still waiting :mad:

That sums Abbey up. Totally and utterly hopeless.

Innocent has the Barclays Premier account, he loves it.