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Sub Prime Credit Thread Part III

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Comments

  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    NID what are my chances of FD? I noticed you mentioned there not too concerned with searches?

    They are hard, as you know. I posted on the 1st direct thread for you mate - also I started my own so look for that as it explains my process step-by-step..... :confused:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Here you go mate: http://forums.moneysavingexpert.com/showthread.html?t=1682195
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    Here you go mate: http://forums.moneysavingexpert.com/showthread.html?t=1682195

    Cheers mate,

    Might forget FD and just go for another abbey account and attempt to get this auto-accept on the credit card.

    Abbey may decline me though as I have been in my O/D two months on the trot with them although my CF shows O/D£1500 balance £0
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    I also like the sound of Halifax as they guaranteed on of the guys on here a 5k O/D after 2 weeks!!!!!
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I can't get a Halifax account. I can get a Barclays Premier Account, HSBC Plus Account, Natwest Plus Account, but Halifax wont give me a Rewards account. I get declined online due to credit scoring. Ridiculous.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    I also like the sound of Halifax as they guaranteed on of the guys on here a 5k O/D after 2 weeks!!!!!

    I know I told him to click and apply it! haha - was at 1am the other morning mate!
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    TheEffect wrote: »
    I can't get a Halifax account. I can get a Barclays Premier Account, HSBC Plus Account, Natwest Plus Account, but Halifax wont give me a Rewards account. I get declined online due to credit scoring. Ridiculous.

    I never knew halifax were strict.

    Did you get O/D on your natwest?
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    I know I told him to click and apply it! haha - was at 1am the other morning mate!

    Good look! I would have aswell.
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    I never knew halifax were strict.

    Did you get O/D on your natwest?

    Sent off the forms the other day. I did put 'No' when it asked 'Do you want an overdraft' when applying, as from my past experience, if I say yes and do not meet the criteria for the overdraft, they decline the whole application.

    I phoned and was told it was all going through and had been accepted, they're just processing my signed paperwork. Once I get it all setup, I'll apply for an overdraft and see what they say.
  • fairmorn308
    fairmorn308 Posts: 1,530 Forumite
    good evening

    thats me paid off my vanquis account and closed it aswell. am happy now :)
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