Sub Prime Credit Thread Part III

Innocent_Guy

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You are now connected with Matt
Mr X: Hi Mat
Mr X: Matt
Mr X: Are you there
Matt: Thank you Mr X, how can I help you today?
Matt: Yes Mr X I'm here!
Mr X: Sorry to bother you
Mr X: I am trying to discover what the best account will be for me
Mr X: I am an existing customer
Mr X: I have an overdraft and credit card
Matt: No worries Mr X - what sort of account are you looking for
Mr X: however would like something more
Mr X: Something with additions
Mr X: * that I would actually use
Matt: Please click here for our range of Accounts With Extras.
Mr X: Thank you
Mr X: How do I tell if I have any pre-approved offers
Matt: We don't do pre-approved offers anymore I'm afraid Andy.
Mr X: Since when may I ask?
Mr X: The information I have been given suggests otherwise
Mr X: ( With all due respect foc ourse )
Matt: What information is that?
Mr X: Well a friend of mine is a personal banker
Mr X: She seems to think that pre-approved offers are still available
Matt: Do they work for Natwest?
Mr X: and as my account is run very well, i MAY be eligable
Mr X: yes, she works for Natwest
Matt: Well you may be eligible, but the system doesn't check that until you run through an application
Mr X: She suggested to look on the site as I wanted something more and she advised I may be able to upgrade online
Mr X: interesting
Mr X: I though that natwest used CAIS to assist with credit risk
Mr X: CAIS will assist will pre-selection
Mr X: merge CAIS with a scorecard and BINGO
Matt: What's CAIS Mr X?
Mr X: Credit account infomration sharing
Mr X: i.e a feed from the CRA's
Mr X: Sorry to be a pain BTW :-)
Matt: You are absolutely correct. When you apply our systems take that information and make that decision. But we can't see it before that point
Mr X: May I ask do you work in branch? Or have you ever?
Matt: No I don't Mr X
Mr X: Ok, thank you for taking part in this mystery shop. We will analyse details of our conversation today and get back to you with the results. We thank you for taking part.
Matt: Thank you for chatting with us today. We really value your feedback. Please click the "Close" button at top right to answer a few questions about your experience with us today. Have a really good day!
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Innocent_Guy

LOL, see above...

This was me chatting to a Natwest worker on their chat service....
I know most of it was BS however I found it quite funny!

Mystery Shopper LOL

ElkyElky

Innocent_Guy wrote: »

LOL, see above...

This was me chatting to a Natwest worker on their chat service....
I know most of it was BS however I found it quite funny!

Mystery Shopper LOL

Natwest do live chats?!!? Darn, if only I'd known.. I wouldn't have resorted to playing Solitaire to pass time. :rotfl:

Do you have the link? I could do with asking them a few questions.

Innocent_Guy

ElkyElky wrote: »

Natwest do live chats?!!? Darn, if only I'd known.. I wouldn't have resorted to playing Solitaire to pass time. :rotfl:

Do you have the link? I could do with asking them a few questions.

LOL - I'll find it for you when I get back home...

I just went on their website and it said something like Live Chat or something

ElkyElky

Innocent_Guy wrote: »

LOL - I'll find it for you when I get back home...

I just went on their website and it said something like Live Chat or something

Great, thanks.

I've just taken a quick look around their website and couldn't find anything referring to chat. I wonder if I'd be able to close a bank account via chat, would be helpful and eliminate the hassle of calling them.

fairmorn308

evening troops

peelprincess

seeya23 wrote: »

i got the same and got a call the next day

Got accepted by Vanquis with £250 limit oooooooooooooo!

seeya23

peelprincess wrote: »

Got accepted by Vanquis with £250 limit oooooooooooooo!

well done :beer::beer:

RICK..._2

cifpower wrote: »

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

I can't use my Jacamo account to log into any of their other sites though? But I can use my JDWilliams account to log into them, but I can't use that account to log into Jacamo... odd...

Innocent_Guy

Guys, should I apply for Aqua again?

I wanted to apply for Capital One AGAIN however they say on their website, If you have applied fora Capital One card within 6 months you may be declined