Sub Prime Credit Thread Part III

Woodyrocks

cifpower wrote: »

I think there is a fee of around 2.5% of the purchase value.

Within Flybe's Summary Box:

Foreign currency conversion fee: - 2.75%

And from Vanquiis:

2.99% of the amount of any non-sterling transaction made abroad

Thank you SO much :beer:
Does that mean that I am okay using my Vanquis for buying online from overseas but not whilst travelling abroad?

And that it is always bad news to use my FlyBe whether home or away!

I think I might just start loading up my A&L debit card or even my new Halifax electron card for online international and purchases made on holiday abroad.

cifpower

If you use your Vanquis online to make a foreign transaction it is technically being made abroad so the fee will still be levied.

seeya23

good evening to all

BigMan

seeya23 wrote: »

good evening to all

Good evening, quite here tonight, every1 on the catologue thread!

Anyway, still not accessory card yet and no reply from Flybe yet

And stop telling me I'm impateint, I am not

(as he starts the clock awaiting the next post!)

seeya23

just a bit it.s allways quite on here now days

LusciousLuce

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!!

cifpower wrote: »

Its not a definite accept but not a no

Phoned Tesco & asked them if it was an accept or a maybe, and the woman I spoke to said I've been accepted on appeal! I almost said "Are you sure??" as I was so surprised! Couldn't even get a catalogue account 4 months ago, now I've been accepted for a credit card with 0% on purchases & balance transfers! not bad for a sub-primer! I think the answer is don't give up and appeal absolutely everything. Couldn't have done it without you lot, I read your antics on a daily basis & you've provided support & inspiration :T:T:T

PS Just watching the news about MJ...blimey....what a waste....

seeya23

LusciousLuce wrote: »

Phoned Tesco & asked them if it was an accept or a maybe, and the woman I spoke to said I've been accepted on appeal! I almost said "Are you sure??" as I was so surprised! Couldn't even get a catalogue account 4 months ago, now I've been accepted for a credit card with 0% on purchases & balance transfers! not bad for a sub-primer! I think the answer is don't give up and appeal absolutely everything. Couldn't have done it without you lot, I read your antics on a daily basis & you've provided support & inspiration :T:T:T

PS Just watching the news about MJ...blimey....what a waste....

well done :beer:

seeya23

Good morning to all

Joeler

LusciousLuce wrote: »

Phoned Tesco & asked them if it was an accept or a maybe, and the woman I spoke to said I've been accepted on appeal! I almost said "Are you sure??" as I was so surprised! Couldn't even get a catalogue account 4 months ago, now I've been accepted for a credit card with 0% on purchases & balance transfers! not bad for a sub-primer! I think the answer is don't give up and appeal absolutely everything. Couldn't have done it without you lot, I read your antics on a daily basis & you've provided support & inspiration :T:T:T

PS Just watching the news about MJ...blimey....what a waste....

Where can I get a template for an appeal letter? Sorry this has probably been asked a million times lol!

seeya23

Afternoon !