Sub Prime Credit Thread Part III

TheEffect

digitalphase wrote: »

I have 4 of the same cards as you; Barclays, Capital One, Vanquis and Aqua Just have a Lloyds Cash Account but never use it.

Are HSBC easy to be accepted by? Thinking in 11/12mths I want to apply for a 0% or low rate card and HSBC do quite a good one don't they? Or First Direct?

I got a HSBC Advance account the week after I turned 18. I had absolutely nothing on my credit report, apart from being on the electoral role. I got accepted, then upgraded to Plus a week later, and got accepted. Then downgraded a month later, and upgraded again last week.

Vanquis and CapitalOne reported a green 0 today. Just need to get the 11 searches in the last 3 months down.

londonuk2008

busy m8 ...but still following all the threads!

londonuk2008

dunno if you remeber I applied for the Bank of ireland card in April - heard nothing and then got a call the other week confirming some details and noticed they had searched me agian for 'money laundering' - still not heard though!¬

sutton111

londonuk2008 wrote: »

busy m8 ...but still following all the threads!

Are you happy with Bruce as Sunderland's new manager?

I hope Clio is okay, I haven't seen him on here since their relegation.

sutton111

londonuk2008 wrote: »

dunno if you remeber I applied for the Bank of ireland card in April - heard nothing and then got a call the other week confirming some details and noticed they had searched me agian for 'money laundering' - still not heard though!¬

Bizarre. Have you rang them?


They're notoriously slow.

londonuk2008

so wonder if I had been accepted!

londonuk2008

thought I would have had a yes or no - although i keep thinking if I were to refused i would have heard by now....wishful thinking!

sutton111

TheEffect wrote: »

I got a HSBC Advance account the week after I turned 18. I had absolutely nothing on my credit report, apart from being on the electoral role. I got accepted, then upgraded to Plus a week later, and got accepted. Then downgraded a month later, and upgraded again last week.

Vanquis and CapitalOne reported a green 0 today. Just need to get the 11 searches in the last 3 months down.

So the wind is in the same direction at the moment then? :rotfl:

sutton111

londonuk2008 wrote: »

so wonder if I had been accepted!

Ring them up. I would, it's painfully slow over 2 months.

londonuk2008

Bruce will do us proud...