Sub Prime Credit Thread Part III

seeya23

good evening to all

Brian1966

Mightyowl wrote: »

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

Being a Barclays customer have you no 'pre-approvals'
Hopefully the 1 late payment wont cause you problems if it was rectified quickly and you have lots of green zero's from other accounts.
Give it a whirl, you SHOULD get an instant decision, forget the classic stick to initial.
If all else fails get a Vanquis or Cap one, use for 6-12 months then reapply. :beer:

Brian1966

Evening Seeya, hope your are well.
Just counting down to kick off for the game tonight

Rose123

Brian1966 wrote: »

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

I was declined with 2 late payments but it was my fault, it does clearly state in the application criteria that you should not have consecutive missed payments with a creditor in the last 12 months

seeya23

Brian1966 wrote: »

Evening Seeya, hope your are well.
Just counting down to kick off for the game tonight

me to the beer on ice

come on man utd

Brian1966

seeya23 wrote: »

me to the beer on ice

come on man utd

Defo..COME ON YOU REDS!!! :beer:

Mightyowl

Brian1966 wrote: »

Being a Barclays customer have you no 'pre-approvals'
Hopefully the 1 late payment wont cause you problems if it was rectified quickly and you have lots of green zero's from other accounts.
Give it a whirl, you SHOULD get an instant decision, forget the classic stick to initial.
If all else fails get a Vanquis or Cap one, use for 6-12 months then reapply. :beer:

No pre-approvals as yet!

Only had the account with them since Feb of this year, previous i was banking with Natwest which put four years worth of green '0's on my file

Brian1966

Mightyowl wrote: »

No pre-approvals as yet!

Only had the account with them since Feb of this year, previous i was banking with Natwest which put four years worth of green '0's on my file

I f your Barclays account has been kept in good order, nothing returned due to lack of funds then give it a try.
Apart from February's search on bank ac have you had many more recently (last 6 months)

never-in-doubt

what was the name of that Freddie Mercury song again....... hmmmmmm

Barcelona!

Brian1966

never-in-doubt wrote: »

what was the name of that Freddie Mercury song again....... hmmmmmm

Barcelona!

Yuk!!!!!! Must admit to liking Queen though.. Fat bottomed girls springs to mind for some reason :think:
Maybe..dont stop me now too :rotfl: