Sub Prime Credit Thread Part III

Bubbles35

Hi,

I applied for the Accessory Card a couple of weeks ago and just received a phone call to go through some security questions etc. They asked if i had signed and sent back my agreement yet, to which i said no as i havent received one. They are posting this again. Question is, does this sound as if i have been accepted or will they still do checks etc when the agreement is returned and maybe still decline??

robbo990

Bubbles35 wrote: »

Hi,

I applied for the Accessory Card a couple of weeks ago and just received a phone call to go through some security questions etc. They asked if i had signed and sent back my agreement yet, to which i said no as i havent received one. They are posting this again. Question is, does this sound as if i have been accepted or will they still do checks etc when the agreement is returned and maybe still decline??

I received my CCA on the 18th May - rang them to day as I wasn't sure if i'd been accepted or declined and they said the card had been posted and I should have it within 5-7 days :beer:

Bubbles35

Thank you for your reply and well done!!

I hope i'm as lucky as you then. Do you know what kind of limit you are getting on it?


Kerry

claire6hy

i dont remember signing a paper agreement for any of my cards!

robbo990

Bubbles35 wrote: »

Thank you for your reply and well done!!

I hope i'm as lucky as you then. Do you know what kind of limit you are getting on it?


Kerry

No idea yet - I have heard of someone else getting this card with £400 though :T

robbo990

claire6hy wrote: »

i dont remember signing a paper agreement for any of my cards!

I know that Vanquis is online but I recieved paper CCA's for Aqua and Accessory

claire6hy

oh, i dont think i did for accessory, maybe i did though
x

Mightyowl

I'm thinking of applying to Barclays for a credit card, but don't want the embrassment of a decline. So don't know where to apply for the Barclaycard Initial or Barclaycard Classic.

Would it be better going into the bank to discuss it or just apply for the Classic online and if i get declined then apply for the Initial

Brian1966

Mightyowl wrote: »

I'm thinking of applying to Barclays for a credit card, but don't want the embrassment of a decline. So don't know where to apply for the Barclaycard Initial or Barclaycard Classic.

Would it be better going into the bank to discuss it or just apply for the Classic online and if i get declined then apply for the Initial

Depending on your credit file I would imagine the initial will be easer to get, both have slightly different criteria.
Intial requires £10k per year, classic is £15k. With the classic they do not like more than 2 active accounts and certainly no missed payments in last 2-3 years.
Have heard varying reports on Intial, some got it with 'old adverse' others including myself were rejected.
Hope this helps a little

Mightyowl

I only have a Next account and the Argos account, plus my Barclays current account.
1 late payment from last month when Argos balls'd up with my direct debit mandate!

The rest are green '0's.

Might go for the Initial then.

Thanx