Sub Prime Credit Thread Part III

sscott5581

Mightyowl wrote: »

Anyone currently using the Initial?

Don't know what limit i have got as yet!

27.9 is the rate, well done on getting the card

aligerdie

Hi all

Hubby has just completed the online application for a Capital One card, signed the online agreement etc, do you have to wait for them to get in touch before you know if you've been accepted or not?

Its not clear from the final page!

thanks

seeya23

aligerdie wrote: »

Hi all

Hubby has just completed the online application for a Capital One card, signed the online agreement etc, do you have to wait for them to get in touch before you know if you've been accepted or not?

Its not clear from the final page!

thanks

i got we will let know in7 to 10 days then i phone them up got a card with a£100 limit

seeya23

give them a call
For existing application enquiries telephone 0800 952 5452

Line open 8.00am - 9pm Monday to Friday, 8.30am - 5.30pm Saturday

aligerdie

thanks for your reply. It just said somebody would be doing some additional checks which would take up to 7 working days.

Do they not do immediate refusals on their website? it seems a little misleading to take you to sign the credit agreement etc.

Or maybe thats just me.....:o

seeya23

i had the same give them a call and see what they say ive got my pin number just need the card now

aligerdie

ok, I'll get him to give them a call tomorrow when he gets back from work.

Thanks very much for your help.

davethorp

robbo990 wrote: »

I know o2 had issues with certain IP Address ranges - could this be the issue?

Whatever the issue was I can now get on creation on my home broadband connection so guessing they had just changed servers and it was a matter of filtering through the system.

On the down side I drifted over my credit limit and have a £12 charge now (back within limit now though as a payment was pending clearing onto the account when I drifted over)

bigbum_2

Joeler wrote: »

Hi guys,

Good news today, called Capital One after my Vanquis application was refused at the weekend, and guess what, I have been accepted!!

My credit agreement is winging its way to me in the post apparently. £500.00 provisional limit which will increase on my 4th statement as long as I stay within the credit limit. Was so excited forgot to ask about the APR but will update you all when it comes through.

What a day, woo hoo!

Congrats, help yourself to a glass of bubbly! :beer:

x

bigbum_2

Mightyowl wrote: »

Applied for a Barclays loan on Monday wanted 4k but got the decline letter today!

So rang to ask on what grounds did i get turned down on, she said it was the internel credit search that i failed and the major factor was only being a customer for 3 months.

She said apply again in 6 months and i should get accepted if i keep running my account like i have been, she said i should apply for a credit card as she thought i would get accepted for that!

So i applied online and got accepted for the Barclays initial.

Nice one :beer: