Sub Prime Credit Thread Part III

Parki_2

Well women keep telling me to show my feminine side so thats what I am doing now. Plus I have to make sure im rested so im not ill at the weekend in my time ;p

I used to work shifts used to hate the nights. Love the time off though so its swings and roundabouts.

I will go to bed soon tv is dogdirt ;p Dont you work too hard!

just_about

Am new to this forum, but thought would share this with you guys !! Applied for a Accessory card, and guess what got the decline letter yesterday :mad::mad::mad:

Do agree have got a default in my account but the rest of my file is like clean with loads of greem 0's, and the default too is for a low amt !!

The reason for my post here is don't understand 1 thing, that applied for 5 catalogues (2 SDG and 2 JDwilliams Grp and 1 freemans), and got all of them in the past month, however as soon it comes to credit cards don't seem to get any, though have to admit that already have 3 ccs!!

Is it that catalogues are easy to get than ccs?? or is it that since already have had too many searches in the last month coupled with the Default marker in my credit file is the reason why accessory rejected me !!

never-in-doubt

just_about wrote: »

Am new to this forum, but thought would share this with you guys !! Applied for a Accessory card, and guess what got the decline letter yesterday :mad::mad::mad:

Thats nothing new mate, Sygma bank issue the accessory card and they are hit-and-miss. They search Equifax, JD Williams search Experian so maybe one file is better than the other?

just_about wrote: »

Do agree have got a default in my account but the rest of my file is like clean with loads of greem 0's, and the default too is for a low amt !!

The default is the issue - stop applying til we sort that mate - just be good for a few weeks! For others reading - default is being dealt with here: #541

The default amount doesn;t matter - it's still a default at the end of the day.

just_about wrote: »

The reason for my post here is don't understand 1 thing, that applied for 5 catalogues (2 SDG and 2 JDwilliams Grp and 1 freemans), and got all of them in the past month, however as soon it comes to credit cards don't seem to get any, though have to admit that already have 3 ccs!!

Is it that catalogues are easy to get than ccs?? or is it that since already have had too many searches in the last month coupled with the Default marker in my credit file is the reason why accessory rejected me !!

You got it in one, the catalogues you quoted are all easy to get and are classed as sub-prime. If you get one JD account you can end up with loads (ask Brian1966 for proof!) likewise with SDG. As for Freemans they are Otto Group, slightly different but still easy.

just_about

never-in-doubt wrote: »

You got it in one, the catalogues you quoted are all easy to get and are classed as sub-prime. If you get one JD account you can end up with loads (ask Brian1966 for proof!) .

:rotfl::rotfl:

just_about

never-in-doubt wrote: »

The default is the issue - stop applying til we sort that mate - just be good for a few weeks! For others reading - default is being dealt with here: #541

The default amount doesn;t matter - it's still a default at the end of the day.

Yheh no more hitting the apply button till December.

never-in-doubt

just_about wrote: »

Yheh no more hitting the apply button till December.

Yea Yea, we all say that! :rotfl::rotfl: Not sticking to it seems to be the norm anyway, lol......

if we can get barclays to remove the default then you'll get CC's no bother :D:D

ElkyElky

Good morning

never-in-doubt

ElkyElky wrote: »

Good morning

Bloody hell mate - go to bed LOL :rotfl::rotfl:

Night - sorry, morning! :A

ElkyElky

lol I've just woken up, busy day ahead! Good night :rotfl: Bedtime at 5am?! :eek:

never-in-doubt

ElkyElky wrote: »

lol I've just woken up, busy day ahead! Good night :rotfl: Bedtime at 5am?! :eek:

LOL, part timer! Yea, bed at 5am - been working since 6pm Wednesday - you know, last night! :rotfl:

I'm on nights this week - well finish friday :eek:

catch you tonight if you're on - have a read here - lol..... http://forums.moneysavingexpert.com/showthread.html?t=1751455&page=4

Round 97 - ding, ding! :cool: