Sub Prime Credit Thread Part III

cifpower

All my windows and blinds are firmly shut today. The blinds so the house stays cool and the windows to try and keep the pollen out. Last night my hayfever went ballistic,

seeya23

just got off the phone with vanquis i ve got the card apr of 59.9% limit £250 i only apply last night

they turn me down last year

cifpower

Congratulations but with an APR that high be extra careful about carrying a balance

seeya23

cifpower wrote: »

Congratulations but with an APR that high be extra careful about carrying a balance

i will be paying it off im full each month they put up everyone apr up

CocoPopsLover

seeya23 wrote: »

i will be paying it off im full each month they put up everyone apr up

Congrats!

I'll be subprime for another 12 months as I have had a '1' added to my credit file today as I was overdrawn on my current account for 2 days :mad:

And that will affect my credit increases too, arrggghhhh :mad:

LusciousLuce

Hi all,

So I recently fired off 5 appeal letters for a spate of declined applications for credit cards. Today, I got a letter from Tesco credit card enclosing an "Agreement in Principle" and it says to return by 6th July "and we'll make sure your new card is sent to you straight away". Do you reckon this is a definite accept? Doesn't say so anywhere, but doesn't say no either, which is progress!!

Bosie

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

Hi Jackie
That's a good record after your bankruptcy in 2004:T Can I ask you have you moved since going bankrupt? I was looking at the A&L currents accounts but it said not to have a record of court orders/bankruptcy.
Also 5 years of history, so I didn't bother. Did you apply online or branch?

Bo x

cifpower

LusciousLuce wrote: »

Hi all,

So I recently fired off 5 appeal letters for a spate of declined applications for credit cards. Today, I got a letter from Tesco credit card enclosing an "Agreement in Principle" and it says to return by 6th July "and we'll make sure your new card is sent to you straight away". Do you reckon this is a definite accept? Doesn't say so anywhere, but doesn't say no either, which is progress!!

Its not a definite accept but not a no

seeya23

good evening to all

cifpower

Good evening sweetness