Sub Prime Credit Thread Part III

victor-meldrew_4

Innocent_Guy wrote: »

Any O/D offered?

i declined o/d and c card on app.
interestingly it only says that if i applied for card it will be cancelled,nothing about o/d.
mind you halifax declined o/d on app.they then gave me one the first day.

victor-meldrew_4

Innocent_Guy wrote: »

Abbey complaints rung me today, told me that they cannot over turn the decsion for the CC decline. They offered compo of £50! I kindly told them where to stuff it and I suggest they esculate the matter again.

They will APPARANTLY call me back once they have tried to overturn again.

I find it funny that I can't have a £250 credit card but can have a £2.5k overdraft

may have been a good idea to take the 50 as the poxy call credit problem may be used against you,in there reasoning.

o/h can have 5000 o/d but no credit card.weird how it works.

big_Daddy_Dave

Innocent_Guy wrote: »

They will always charge you twice on you first bill and deduct the overpayment from your final bill

ah right

so i get that back when i quit?

Innocent_Guy

victor-meldrew wrote: »

may have been a good idea to take the 50 as the poxy call credit problem may be used against you,in there reasoning.

o/h can have 5000 o/d but no credit card.weird how it works.

They only searched Experian so Callcredit shouldn't be causing an issue. If they did bring up the issues about callcredit I would love it as I would prove that it couldn't possibly be me.

I don't want their poxy £50 they can stuff it up their a$$.

I would love to see how the scorecard worked for O/D and Creditcard.

I might apply for a job in credit risk

Innocent_Guy

big_Daddy_Dave wrote: »

ah right

so i get that back when i quit?

Thats the way mate

fairmorn308

good evening troops

Innocent_Guy

fairmorn308 wrote: »

good evening troops

Evening..............:p

plumber2009

Hi all, new to this thread.

I recently applied to jacamo and was acceped with £125.00 limit.

Q1. Are they anygood.
Q2. Can i log into the Home Shopping Direct Website using my jacamo login.

Was turned down for littlewoods and next. been trying to get a catalogue account to improve my credit rating, Have a few nasties.:p

fawinds

plumber2009 wrote: »

Q1. Are they anygood.
Q2. Can i log into the Home Shopping Direct Website using my jacamo login.

A1. Yes, they will give you green 0s
A2. Yes

cifpower

Q1 - I think they are
Q2 - You can use your account to shop at any of their websites