Sub Prime Credit Thread Part III

freedom2008

Just got my accessory card agreement through the post to sign. No idea of credit limit, hoping they won't turn me down once they have received my application!! My letter states;-
"thank you for applying for a Accessory Card, there's only one more step to complete before we can finish your application ......" but then it states further into the letter "......when we get your signed agreement, we will complete your application as quick as we can and we'll send out your card within a few days ........"
Am I worrying unnecessarily??

I was hoping the agreement would have my credit limit, though it just gives an example of what at £1500 credit limit would cost in interest etc etc. APR is listed as 19.9% which is miles better than vanquis and cap one. Wonder if my limit will be £1500?. Would be nice if it was lol . Should know within a week I hope.

davethorp

I got accepted for £400 at 24.9 from accessory. The fact your on a better APR might mean you can expect a better limit too

Joeler

Innocent_Guy wrote: »

SOS = Sabbatical on searches

HTH

Thanks dude makes loads of sense now

freedom2008

davethorp wrote: »

I got accepted for £400 at 24.9 from accessory. The fact your on a better APR might mean you can expect a better limit too

thanks, I have my fingers and toes crossed!

jipp05

I got the exact same letter this mornign and am hoping the same thing about being turned down when i return it, however mine says 24.9% so im assuming there not just automated replies everyone gets. fingers crossed!

saintly_2

i got the usual we will let you know in 7 - 10 days blah blah blah from accessory!! usually a big fat NO :rolleyes:

LusciousLuce

Hi there, I've been declined for the Flybe card (amongst many, many others!!) Am I right in thinking the Accessory card is also from Sygma? Does anyone think the Accessory card is perhaps easier to get than Flybe? I have 2 accounts with JD Williams companies but I expect that won't make them consider me more favourably.

sscott5581

LusciousLuce wrote: »

Hi there, I've been declined for the Flybe card (amongst many, many others!!) Am I right in thinking the Accessory card is also from Sygma? Does anyone think the Accessory card is perhaps easier to get than Flybe? I have 2 accounts with JD Williams companies but I expect that won't make them consider me more favourably.

Sorry to hear that you were declined from FlyBe. The Accessory card is also from Sygma however dont really know if it easier to get or not, the only way would be to apply. Having the JD Williams will show that you can manage credit but having that account alone will not gurantee acceptance. Good luck

LusciousLuce

sscott5581 wrote: »

Sorry to hear that you were declined from FlyBe.

I'm learning to live with the rejection! Also developing a nifty line in appeal letters...

sscott5581

LusciousLuce wrote: »

I'm learning to live with the rejection! Also developing a nifty line in appeal letters...

Yeah worth appealing, i appealed when I was declined BOS card and got card with £2000 limit and typical rate.