Sub Prime Credit Thread Part III

christhesparky_2

Afternoon

I have just applied for a flybe card, no instant decision, anyone got any ideas on acceptance rates?

I have a satisfied ccj on my credit report from 3 yrs ago, apart from that all green zeros.

I applied to them last year, was accepted but when i rang to see where my card was i was told that the account was closed as they had changed their mind, so it is currently marked as settled!

They never put any cifas markers on any of the credit reference agencies

CocoPopsLover

have u called them to find out?

christhesparky_2

only applied an hour ago! will give it a few days and then ring them

CocoPopsLover

christhesparky wrote: »

only applied an hour ago! will give it a few days and then ring them

Okay, its just some people have said that they have gotten a decision straight away on the phone

But good luck when you do find out

x

mattlfc79

Hello again people.

I have had a Jacamo account for a couple of weeks now but I have yet to recieve a credit agreement.

Does everyone start on 39.9%APR and is that the only rate they charge?

If I behave do they reduce the rate you pay, I know they let you pay a minimum of 1/12th after a while.

How long does it take before I can start paying 1/12th of my purchase price as a minimum?

Thanks again good people

mcmanlyn

Hiya,

Possibly random post but I seem to remember there being a thread for those with Cap1 Classics, the limits & increases - but I can't seem to find it...

Thought it might be of use here to you guys anyway I got mine 4 months ago with £200 limit, and it's just been upped to £400. I usually use about £100-£150 per month and pay in full each month.

Hope this helps

seeya23

mcmanlyn wrote: »

Hiya,

Possibly random post but I seem to remember there being a thread for those with Cap1 Classics, the limits & increases - but I can't seem to find it...

Thought it might be of use here to you guys anyway I got mine 4 months ago with £200 limit, and it's just been upped to £400. I usually use about £100-£150 per month and pay in full each month.

Hope this helps

here you go
http://forums.moneysavingexpert.com/showthread.html?t=1189761

cifpower

mattlfc79 wrote: »

Hello again people.

I have had a Jacamo account for a couple of weeks now but I have yet to recieve a credit agreement.

Does everyone start on 39.9%APR and is that the only rate they charge?

If I behave do they reduce the rate you pay, I know they let you pay a minimum of 1/12th after a while.

How long does it take before I can start paying 1/12th of my purchase price as a minimum?

Thanks again good people

I never received a credit agreement for my Jacamo account. The APR is 39.9% and if you pay by direct debit it is 29.3%

No idea about the change in the minimum payment. You'd be best ring them and ask

sutton111

Good evening.

Good luck with Flybe Chris.

They're notorious at opening people account's and then shutting them! Only recently I read that someone had their card and pin issued, they used it a few times, then they popped to a petrol station and it got declined, they rang them up (Sygma) and they had closed their account.

sutton111

I'm thinking about buying a new T-Shirt. I'm not sure which one.

This one http://www.empirestores.co.uk/rf/emp/p.do/polo-shirt?Ntx=mode+matchallpartial&SNtt=fred+perry&Nao=12&groupId=570237475&Nu=this_product&SNtk=generic_search&Np=1&SN=114+85&Ntt=570237475&D=570237475&Ntk=group_search&Dx=mode%2bmatchall&thisprod=570237475&N=114+85&Nty=1&Mis_item_id=15&Mis_item_loc_id=1&product=570237475&pageSize=12

Or this one http://www.empirestores.co.uk/rf/emp/p.do/100-year-polo-shirt?Ntx=mode+matchallpartial&SNtt=fred+perry&Nao=0&groupId=601156694&Nu=this_product&SNtk=generic_search&Np=1&SN=114+85&Ntt=601156694&D=601156694&Ntk=group_search&Dx=mode%2bmatchall&thisprod=601156694&N=114+85&Nty=1&Mis_item_id=15&Mis_item_loc_id=1&product=601156694&pageSize=12

In black though.