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Sub Prime Credit Thread Part III

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  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    digitalphase wrote: »
    That's weird, neither me or my OH were charged for a PIN Sentry, we were just sent one. Not sure why they'd try and charge you for something just to be able to bank online :confused:

    Mine was free also. It's because he registered a while ago.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    digitalphase wrote: »
    That's weird, neither me or my OH were charged for a PIN Sentry, we were just sent one. Not sure why they'd try and charge you for something just to be able to bank online :confused:
    Likewise...............
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    TheEffect wrote: »
    Apparently, as I was sent one when I had a kids account a year or so ago closed, I was meant to keep that device in case I ever got another account with Barclays. I told india that's ridiculous. Got a free one in the end though.

    You beat me to it. :p
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sutton, apply for a standard HSBC Current Account Advance, then just upgrade to a Plus account. They don't do another credit check.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    What do you think!! :rolleyes:

    I rang again on Monday still no Visa debit card.

    They're complete buffoons :rolleyes:
    What do you reckon if you closed the account and reopened it?

    Multifunctino card offered? whats your BS?
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    TheEffect wrote: »
    Do you qualify?

    Only if I pay £25 pcm. ;)

    If you apply you can have a cheque guarantee card.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Only if I pay £25 pcm. ;)

    If you apply you can have a cheque guarantee card.
    Premiercard250
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    sutton111 wrote: »
    Only if I pay £25 pcm. ;)

    If you apply you can have a cheque guarantee card.

    Apparently, my BS with HSBC makes me qualify for a CG card (as well as a overdraft, loan and cc), but they wont give me any of them due to my credit score. I could probably get a CG card if I asked for one, but not going to bother now.
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    What do you reckon if you closed the account and reopened it?

    Multifunctino card offered? whats your BS?

    My Behavioural score is 600.

    I dowt it, seeya applied recently and got an account like mine but he also got an Electron so I dowt I'll get one as he has better credit than me.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    My Behavioural score is 600.

    I dowt it, seeya applied recently and got an account like mine but he also got an Electron so I dowt I'll get one as he has better credit than me.
    WHAT A LOAD OF OLD !!!!!!........ He got offered Cap One aswell I think
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
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