Sub Prime Credit Thread Part III

seeya23

Afternoon !

cifpower

gorbejesus wrote: »

I have just had my monthly Vanquis statement today. The purchase interest rate is rising next month from 34.080% to 41.2% and the cash interest is rising from 41.190% to 47.89%. They have also changed their Customer Service phone line charge to 7p per minute.

A 7% rise in interest. Has anyone else had this rise?

Reeived my latest statement. Purchase APR to increase from 34.9% to 41.2% from next statement. It has given me even more incentive to pay the debt off.

Jackie235

Hello all, Im so exceited, I've just been accepeted for Flybe Credit card £1500 limit.

Just for you to catch up i was Bankrupt in Oct 2004, now have Mortgage got on the eletoral role, got a Cap1, Vanquis, Aqua, 2 accounts with Shop Direct(Littlewoods Direct and Empire Stores) and an Alliance & Liecester Current account with int free overdraft!

I'm so chuffed to have been accepted for a main stream card and its all down to this forum. Just by gettin this information I'm well on the way to a "normal" life again!! Thanks so much to everyone on here, although I don't post much i am an avid reader!!

And just to say there is light at the end of the tunnel.

Thanks Again

Parki_2

Jackie235 wrote: »

Hello all, Im so exceited, I've just been accepeted for Flybe Credit card £1500 limit.

Just for you to catch up i was Bankrupt in Oct 2004, now have Mortgage got on the eletoral role, got a Cap1, Vanquis, Aqua, 2 accounts with Shop Direct(Littlewoods Direct and Empire Stores) and an Alliance & Liecester Current account with int free overdraft!

I'm so chuffed to have been accepted for a main stream card and its all down to this forum. Just by gettin this information I'm well on the way to a "normal" life again!! Thanks so much to everyone on here, although I don't post much i am an avid reader!!

And just to say there is light at the end of the tunnel.

Thanks Again

Did Flybe accept you online? Even if they accept you online do they still manually check you later on?

Jackie235

I rang a short while ago to check the limit, they siad my card and pin would be on their way in the next 7 - 10 days

Parki_2

Jackie235 wrote: »

I rang a short while ago to check the limit, they siad my card and pin would be on their way in the next 7 - 10 days

When did you apply? Did you apply online? May I ask you credit limit and Apr?

Do you have a clean credit report?

Sorry for being nosey just trying to see if its worth my while ;p

thriftymomma

Jackie235 wrote: »

Hello all, Im so exceited, I've just been accepeted for Flybe Credit card £1500 limit.

Just for you to catch up i was Bankrupt in Oct 2004, now have Mortgage got on the eletoral role, got a Cap1, Vanquis, Aqua, 2 accounts with Shop Direct(Littlewoods Direct and Empire Stores) and an Alliance & Liecester Current account with int free overdraft!

I'm so chuffed to have been accepted for a main stream card and its all down to this forum. Just by gettin this information I'm well on the way to a "normal" life again!! Thanks so much to everyone on here, although I don't post much i am an avid reader!!

And just to say there is light at the end of the tunnel.

Thanks Again

Always lovely to hear a positive story! Well done!

Jackie235

Parki wrote: »

When did you apply? Did you apply online? May I ask you credit limit and Apr?

Do you have a clean credit report?

Sorry for being nosey just trying to see if its worth my while ;p

No probs, i applied today, got auto accepted. rang to ask my credit limit and she said £1500 and that it had "gone through ok" I forgot to ask the APR!.
As for my credit report, I was BR in 2004, got Cap1 and others last year to build my report. I have 3 searches in last 6 months on Equifax and all my accounts are upto date and showing green 0's.
I applied to Flybe in Sept'08 and got knocked back, I wasn't on the elec rol then. got on now so think this helped me.

CocoPopsLover

Jackie235 wrote: »

No probs, i applied today, got auto accepted. rang to ask my credit limit and she said £1500 and that it had "gone through ok" I forgot to ask the APR!.
As for my credit report, I was BR in 2004, got Cap1 and others last year to build my report. I have 3 searches in last 6 months on Equifax and all my accounts are upto date and showing green 0's.
I applied to Flybe in Sept'08 and got knocked back, I wasn't on the elec rol then. got on now so think this helped me.

Congratulations hun!

Parki_2

Jackie235 wrote: »

No probs, i applied today, got auto accepted. rang to ask my credit limit and she said £1500 and that it had "gone through ok" I forgot to ask the APR!.
As for my credit report, I was BR in 2004, got Cap1 and others last year to build my report. I have 3 searches in last 6 months on Equifax and all my accounts are upto date and showing green 0's.
I applied to Flybe in Sept'08 and got knocked back, I wasn't on the elec rol then. got on now so think this helped me.

Ive just applied online just to see and I got accepted also. I havent phoned to check my credit limit as I am not sure its in the bag yet for me until the card drops through the door.

I got the congratulations your applications has been accepted bit and your card will arrive in 7-10 days.