Sub Prime Credit Thread Part III

sorbet74

Hi everyone, just thought I'd share my good news.

I have an EasyCash BBA with Halifax. I went in the other day to deposit some cash, but the machine wasn't working (you have to use the machine, not the counter with EasyCash), so I went to the counter to deposit my cash.

The bank clerk asked if I'd be interested in upgrading my account, I explained I'd love to but have a CCJ from 2006 and am not on the ER. She said it was coming up as "guaranteed" and would ask the woman who deals with bank account applications. She came over and assured me I'd be accepted, so she booked me an appointment.

She asked if I had any credit cards, I told her Cap1 and Vanquis and she said that I'd be guaranteed a CC too!

I remained sceptical all through the appointment, but fair play to Halifax I now have:

Ultimate Reward Account with £100 no-charge overdraft
Halifax CC, £3400 limit, with 0% on purchases for 12 months and 0% on balance transfers for 9 months. 19.5% APR thereafter.

Obviously, I've BT'd Cap1 and Vanquis.

Well chuffed! :beer:

kilasuit

well done matee

wish they'd do the same for me thou

Parki_2

Bosie wrote: »

:cool:

Lucky thing, wish I had holiday oh poor me:cool:

Aww you got to have something to look forward to! Get something planned asap lady

Parki_2

sorbet74 wrote: »

Hi everyone, just thought I'd share my good news.

I have an EasyCash BBA with Halifax. I went in the other day to deposit some cash, but the machine wasn't working (you have to use the machine, not the counter with EasyCash), so I went to the counter to deposit my cash.

The bank clerk asked if I'd be interested in upgrading my account, I explained I'd love to but have a CCJ from 2006 and am not on the ER. She said it was coming up as "guaranteed" and would ask the woman who deals with bank account applications. She came over and assured me I'd be accepted, so she booked me an appointment.

She asked if I had any credit cards, I told her Cap1 and Vanquis and she said that I'd be guaranteed a CC too!

I remained sceptical all through the appointment, but fair play to Halifax I now have:

Ultimate Reward Account with £100 no-charge overdraft
Halifax CC, £3400 limit, with 0% on purchases for 12 months and 0% on balance transfers for 9 months. 19.5% APR thereafter.

Obviously, I've BT'd Cap1 and Vanquis.

Well chuffed! :beer:

Wow thats great news for you! How long have you been with Halifax for?

sorbet74

Thanks Parki.

I've been with Halifax for about 16 months.

Parki_2

Thats good going! I want some guaranteed things grr heh ;p

Brian1966

Parki wrote: »

Thats good going! I want some guaranteed things grr heh ;p

No worries mate... I GUARANTEE it will rain tomorrow...SOMEWHERE in the UK :rotfl:

Brian1966

sorbet74 wrote: »

Thanks Parki.

I've been with Halifax for about 16 months.

Congratulations...only seems like yesterday that you came on here asking about a Jacamo account.
Well done mate...really pleased for you :beer:

sorbet74

Yeah I know, got some good advice in this thread too.

I'm buying a car off a friend and going to use the credit card to do it.
Is there any way of doing this without using a CC cheque as I'd like to get the 0% on purchases for 12 months to kick in

I was wondering if I could do it via PayPal?

Brian1966

sorbet74 wrote: »

Yeah I know, got some good advice in this thread too.

I'm buying a car off a friend and going to use the credit card to do it.
Is there any way of doing this without using a CC cheque as I'd like to get the 0% on purchases for 12 months to kick in

I was wondering if I could do it via PayPal?

Can't see why you cannot use Paypal...subject to being verified account..sending limits etc.
Your friend will have to pay a fee though in order to withdraw funds :eek:
Are you not allowed a 'super balance transfer' ie funds directly to your bank account or is it just purchases.