Sub Prime Credit Thread Part III

Innocent_Guy

fairmorn308 wrote: »

morning troops

Good Morning....

victor-meldrew_4

just got paperwork through from halifax.
they have opened an ultimate reward account.
it does have a debit card and cheaque book.and says no gaurantee card YET,which is promising.(both abbey are electron,even on o/d account)
dont know weather to immiedatley pay in salary and see if the o/d amounts start climing or give my abbey 1 more months salary and see what the then six month review throws up?
what do you think????

Niteflyer

victor-meldrew wrote: »

just got paperwork through from halifax.
they have opened an ultimate reward account.
it does have a debit card and cheaque book.and says no gaurantee card YET,which is promising.(both abbey are electron,even on o/d account)
dont know weather to immiedatley pay in salary and see if the o/d amounts start climing or give my abbey 1 more months salary and see what the then six month review throws up?
what do you think????

Halifax opened an aco!!!! for me a few years ago and they gave me a £200 O/D. I had my Salary paid in every month and within 3 months my O/D was upto £1000 if that helps?

RICK..._2

I was just wondering, I have a basic halifax account atm, but i've gone overdrawn quite a few times these last few months as money has been very tight, but alright again now.

Would I be better getting an account with someone else and starting again, making sure I don't go overdrawn? as I bet my internal score will be horrendous with Halifax, so can't ever see them upgrading my account... Or will the internal score repair itself if I make sure there's always sufficient funds in there from now onwards?

and pfffftttttt!! all these people with overdrafts, i don't even know what it's like to have one haha :rolleyes:

PROLIANT

Halifax do not issue Cheque cards anymore.

victor-meldrew_4

thanks,i thought i had read that on here.
i have a three page letter,
page one is acceptance and id request etc,
page two is thanks for openning account,
and three is application form(applied on line)to sing,in that it reads"you may not be able to gaurantee cheques yet.if this is the ,case we will send you a card to do these three things as soon as you qualify for one".

strange they want id as im a bos credit card holder.also no sing of this account on my online banking,and asks me to pay the £100 to open the account if i havent already .its the first ive herd since the original app so how could i have payed?
out of date standard app letter i suppose?

just logged on again and went into my preferences,it is in there and ticked not to show.no overdraft as yet.
when o/h got her account her file was appaling, overdraft came quick.i may run money through until abbey hits six months and go from there,as to where salary goes.

Innocent_Guy

victor-meldrew wrote: »

just got paperwork through from halifax.
they have opened an ultimate reward account.
it does have a debit card and cheaque book.and says no gaurantee card YET,which is promising.(both abbey are electron,even on o/d account)
dont know weather to immiedatley pay in salary and see if the o/d amounts start climing or give my abbey 1 more months salary and see what the then six month review throws up?
what do you think????

Give abbey 6 months however put some money through the Halifax account.

BTW how many searches do you have as I'm looking to apply for the halifax account.

Innocent_Guy

Niteflyer wrote: »

Halifax opened an aco!!!! for me a few years ago and they gave me a £200 O/D. I had my Salary paid in every month and within 3 months my O/D was upto £1000 if that helps?

I sure you all heard but there was a guy on here whos O/D when from £100 to £7.5k in two weeks!!

Innocent_Guy

RICK... wrote: »

I was just wondering, I have a basic halifax account atm, but i've gone overdrawn quite a few times these last few months as money has been very tight, but alright again now.

Would I be better getting an account with someone else and starting again, making sure I don't go overdrawn? as I bet my internal score will be horrendous with Halifax, so can't ever see them upgrading my account... Or will the internal score repair itself if I make sure there's always sufficient funds in there from now onwards?

and pfffftttttt!! all these people with overdrafts, i don't even know what it's like to have one haha :rolleyes:

You should just make sure you manage your account correctly and your BS will increase....

Innocent_Guy

PROLIANT wrote: »

Halifax do not issue Cheque cards anymore.

That puts me off applying...... All of my current accounts have CGC's