Sub Prime Credit Thread Part III

londonuk2008

well my file is clear , no dodgy's or missed payments , went easy on the searches - so hopefully wont be a problem!

never-in-doubt

londonuk2008 wrote: »

Gold ..same as yours.Pay for the summer holidays on 0% opening offer.

How long did it take for the card to come?
Still worry its not going to come , mind you the customer service lady was very nice , and as I said called me back after 5 days!

My PIN came after 2 days and card 3. You'll get card by Weds next week I expect.... remember they aint like a UK bank, the statements etc are ermmm, weird to say the least! lol

Smart one - well done. :beer:

never-in-doubt

londonuk2008 wrote: »

well my file is clear , no dodgy's or missed payments , went easy on the searches - so hopefully wont be a problem!

yea, mine has the dodgy linked address - nightmare! But in a year or two all will be clear and i'll have superb history conduct! well done mate chuffed for you! :beer:

londonuk2008

Anyway a message to all sub-primers - 3 years ago my file was messy.Not good.Sorted myself out , and yes paid most balances fully (some settlements).

Then..got Cap one/Vanquis/Additions (always had next and Barclaycard)
then..
JJB card
Flybe -

and then closed the Vanquis/Barclaycard (who upset me)

My file now goes back with greens 6 years . On the elec roll.

and now moving up well - but should never take for granted.

So there is hope!

never-in-doubt

ASDA CREDIT CARD APPLICATION

Congratulations

Dear N-i-D,

After reviewing your details, we are pleased to confirm your application has been successful.

blah blah blah....

Your credit limit is £5,750 subject to final checks and verification.

Wonder what that means - grrrrr....

londonuk2008

whats that for the link above the congrats is broke?

never-in-doubt

londonuk2008 wrote: »

whats that for the link above the congrats is broke?

sorry image was from email - i've just typed it lol :beer:

bet they decline me! 3rd time if so

londonuk2008

Well done mate!!last time I applied to them , they declined me due to affordability?and when I checked my Experian the limit they had put next to the search was £500!!!

That was over a year ago...

Anyway well done mate , can't beat that.....yet!

never-in-doubt

londonuk2008 wrote: »

Well done mate!!last time I applied to them , they declined me due to affordability?and when I checked my Experian the limit they had put next to the search was £500!!!

That was over a year ago...

Anyway well done mate , can't beat that.....yet!

Yea I had that last two times, got accepted though with letter a week later declining me and both had £500 next to limit - must be the way they do it and the £500 is a default amount that they quote for lending....

I prob get declined again mate, like 1st direct - got offered £6400 and then at last minute they said no - bummer!

londonuk2008

well it looks good mate , having a instant accept!keep us informed...and change your SOS date!!again..

Off for a meal now , so see you all soon!