Sub Prime Credit Thread Part III

seeya23

good evening to all

Mightyowl

TheEffect wrote: »

I can't apply for a BarclayCard until July 21st now, as I applied back in April and was declined. Also applied in January and was declined, appealed and still said no. Is it worst appealing the second decline and send in bank statements etc?

Barclays haven't searched experian for the bank account i applied for on Monday yet. Going to check Equifax now.

Edit - Barclays did an 'Authentication' check on Equifax. No full search.

Barclays did 2 searches on me for my current account! 1 when i first applied, and the other the day it was opened.

I reckon the second was regarding the £10 overdraft they gave me :shocked:

TheEffect

Found out today that my interest rate on my CapitalOne Classic is 30% and not 35%.

TheEffect

Does anyone know if you 'Upgrade' to HSBC Plus via Quidco, you still get the £50 cashback?

Rose123

TheEffect wrote: »

Found out today that my interest rate on my CapitalOne Classic is 30% and not 35%.

Lower than mine!!!

digitalphase

TheEffect wrote: »

Found out today that my interest rate on my CapitalOne Classic is 30% and not 35%.

Yes mine is too :beer:

Hopefully it will stay that way, the APR can change as it says 34.9% APR variable on the website, so I suppose that's maybe the worse case scenario.

christhesparky_2

TheEffect wrote: »

Found out today that my interest rate on my CapitalOne Classic is 30% and not 35%.

According to my statement mine is 30.34%

TheEffect

christhesparky wrote: »

According to my statement mine is 30.34%

Same as mine then.

digitalphase

christhesparky wrote: »

According to my statement mine is 30.34%

Yep, same as mine

Parki_2

digitalphase wrote: »

Yep, same as mine

Im 34.9% how do they come to these! Why did you get lower than me no fair ;p