Sub Prime Credit Thread Part III

selecta_c

Just applied for a Halifax credit card (the one with 0% purchases for 12 months and 0% balance transfers for 9 months)...........and been accepted

Got 5 credit cards now so think its time too close at least 2.

ElkyElky

never-in-doubt wrote: »

Or use my version Credit Reference Agencies - thanks Elky mate! Send to the 'other side' lol :beer:

lol I just posted the link I had close to hand. It was easy to get to since it's a sticky and right at the top of the page. :rotfl:


:j

PARIS_5000

I apply for a New Look store card however they said it was refer.They check Experian and my credit file is fine no adverse.

They said that it could be refer because they need more information but I am on the ER so what information could they want.

I call them and they did not know why it was refer and I will write in 3 weeks.

I ask the lady if its refer does it mean that I have been turned down and she said that it may go through because it does not say refer no.

New Look only lets you apply in person so it was embrassing when she told me in front of everyone that I was refer.

The lady told me that they do high credit scoring but the credit limit is only 300 pounds and I have higher limits than that.

I was only going to use every now and then but pay in full.

ElkyElky

selecta_c wrote: »

Just applied for a Halifax credit card (the one with 0% purchases for 12 months and 0% balance transfers for 9 months)...........and been accepted

Got 5 credit cards now so think its time too close at least 2.

Congratulations! :T

I got to the final stage of applying for a HSBC student account and credit card yesterday, but closed the application as I remembered I have too many searches. I've stocked up on mints to try keep my applying cravings at bay.

never-in-doubt

ElkyElky wrote: »

lol I just posted the link I had close to hand. It was easy to get to since it's a sticky and right at the top of the page. :rotfl:


:j

LOL, mine should be a sticky too hahaha :rotfl:

never-in-doubt

PARIS_5000 wrote: »

I apply for a new look store card however they said it was refer.They check Experian and my credit file is fine no adverse. They said that it could be refer because they need more information but I am on the ER so what information could they want.

I call them and they did know why it was refer and I will write in 3 weeks. I ask the lady if its refer does it mean that I have been turned down and she said that it may go through because it does not say refer no.

New Look only lets you apply in person so it was embrassing when she told me in front of everyone that I was refer. The lady told me that they do high credit scoring but the credit limit is only 300 pounds and I have higher limits than that.

I was only going to use every now and then but pay in full.

Don't worry, could be anything such as a notice of correction, you applied outwith a working day (if you applied today for instance) or something little like available credit....

I know its embarassing but to be fair, try not to apply for the cards in store... they are a nightmare (at least debenhams has a cust services lounge usually)

It may pass on Monday, hold fire til middle of next week and ring again.

ElkyElky

never-in-doubt wrote: »

LOL, mine should be a sticky too hahaha :rotfl:

All of your threads should be sticky. The mods are ungrateful for the time and help you've devoted to this site.

selecta_c

ElkyElky wrote: »

Congratulations! :T

I got to the final stage of applying for a HSBC student account and credit card yesterday, but closed the application as I remembered I have too many searches. I've stocked up on mints to try keep my applying cravings at bay.

:rotfl:

I also have done too many searches of late but like yourself i am trying too leave my sub prime past behind.

ElkyElky

selecta_c wrote: »

:rotfl:

I also have done too many searches of late but like yourself i am trying too leave my sub prime past behind.

When you close your subprime cards, wait until it's marked as 'settled' before applying for another mainstream. That's what I'm going to try and do.

Could mean a bigger limit when I eventually apply, and hopefully some searches will drop off in the meantime.

PARIS_5000

never-in-doubt wrote: »

Don't worry, could be anything such as a notice of correction, you applied outwith a working day (if you applied today for instance) or something little like available credit....

I know its embarassing but to be fair, try not to apply for the cards in store... they are a nightmare (at least debenhams has a cust services lounge usually)

It may pass on Monday, hold fire til middle of next week and ring again.

I will stick to applying on the internet or phone and I did apply today so your right it could go through on Monday.

I am going to wait for the letter and see what they say.