Sub Prime Credit Thread Part III

TheEffect

sutton111 wrote: »

Thanks Effect, they're much better.

The difference between your valid and expire dates on your Capital One card isn't that long

I noticed that, but didn't think it was a problem. Don't they just reissue you a replacement card, just like a bank account?

Cash_Flow wrote: »

I have banked with lloyds for 12 years and Barclays for 5 months:D

They must like you now then, all the money you've made them.

sutton111

TheEffect wrote: »

I noticed that, but didn't think it was a problem. Don't they just reissue you a replacement card, just like a bank account?

Basically yes.

TheEffect

Wonder why they gave me such a short expiry date then.

sutton111

TheEffect wrote: »

Wonder why they gave me such a short expiry date then.

It's a little strange.

I wouldn't worry too much.

Cash_Flow

sutton111 wrote: »

Hi Cash Flow, hows it going?

Am good mate thank you, how you doing?

I am still on the SOS, I have now finally realised that all my credit searches make it nearly impossible to get new mainstream products.

digitalphase

I have an overdraft with Barclays, been with them about 12 years. I don't know whether they will accept me for a credit card in 11/12mths though.

What constitutes a good or excellent credit history? No late payments within 12mths, no defaults or CCJs, on electoral roll?
I have and have had plenty of credit accounts so lots of history, and most are full of green 0's.

Cash_Flow

TheEffect wrote: »

Wonder why they gave me such a short expiry date then.

I have not worked that one out yet

Cash_Flow

digitalphase wrote: »

I have an overdraft with Barclays. I don't know whether they will accept me for a credit card in 11/12mths though.

What constitutes a good or excellent credit history? No late payments within 12mths, no defaults or CCJs, on electoral roll?
I have and have had plenty of credit accounts so lots of history, and most of full of green 0's.

All of the above plus debt to income levels and affordability;)

Cash_Flow

TheEffect wrote: »

I noticed that, but didn't think it was a problem. Don't they just reissue you a replacement card, just like a bank account?





They must like you now then, all the money you've made them.

They may just have a little crush on me lol;)

digitalphase

Cash_Flow wrote: »

All of the above plus debt to income levels and affordability;)

Excellent, well hopefully in 12mths I'll have an excellent/good credit score

Got green 0's from Vanquis and Capital One already and not paid anything off them yet