Sub Prime Credit Thread Part III

never-in-doubt

ElkyElky wrote: »

Flybe, got it roughly 2 months ago. I thought it would have been risky applying for another Sygma so soon but apparently not. The next card on my 'apply list' is the All Staints card. :rotfl:

LOL, you're mad - I thought 3 months was the earliest you had to wait!

So what limit did you get with the first card and remember to tell us what the silver comes with :rotfl:

ElkyElky

never-in-doubt wrote: »

LOL, you're mad - I thought 3 months was the earliest you had to wait!

So what limit did you get with the first card and remember to tell us what the silver comes with :rotfl:

It's in my signature LOL. £1000 on the Flybe. Will most likely get the same for the Silver, hope so anyway, I need to BT £600 from my Vanquis before the statement arrives.

Having £600 on my Vanquis at 54% is making me nervous.

Parki_2

Hmm but Elky what makes you think your gonna get the 0% deal with the Silver card? If your not on the top bracket with the flybe your on the 24.9 % one like me. Are they not likely to offer you the same again with the silver card?

Also when you got your flybe card did you get a promotional purchase rate?

ElkyElky

Parki wrote: »

Hmm but Elky what makes you think your gonna get the 0% deal with the Silver card? If your not on the top bracket with the flybe your on the 24.9 % one like me. Are they not likely to offer you the same again with the silver card?

Also when you got your flybe card did you get a promotional purchase rate?

When I got the Flybe card, I was given the 0% for 6 months on balance transfers. I also had a financial link on my credit report with someone else whom has a very bad credit history. Now that the link is removed, it can only have a positive impact on my file. Hopefully they'll give me a lower interest rate on the Silver card.

As for the 0% deal on the Silver card, I'm sure they'll give me it but I'm not worrying if they don't. £600 at 24.9% apr is miles better than at 54% apr.

Parki_2

Very true just was wondering thats all. Your financial situation has changed I see so a better deal im sure. That Vanquis apr is absolutely shocking. If they put mine up im getting rid for sure!

seeya23

good evening to all

ElkyElky

Parki wrote: »

Very true just was wondering thats all. Your financial situation has changed I see so a better deal im sure. That Vanquis apr is absolutely shocking. If they put mine up im getting rid for sure!

I wrote to Vanquis a few days ago asking for my rates to be lowered. I think I'll be cancelling it if they don't lower the rates.

When I first got the Vanquis card, I had no credit history so I understood why they felt the need to make the rates so high. Now I'm no longer a "risky" customer so they can either lower the rates or their card will be going down the toilet like my Capital One.

ElkyElky

seeya23 wrote: »

good evening to all

Evening :beer:

claire6hy

hi!
has anyone missed me?????

seeya23

claire6hy wrote: »

hi!
has anyone missed me?????

yes where have you been