Sub Prime Credit Thread Part III

CocoPopsLover

never-in-doubt wrote: »

seems they declined you :mad:

When you log-in you get the limit show in the screen that says 'welcome Miss cocopops' if yours does not have 'You have £XXX to spend' then you've been declined :mad:

Yes it says 'you have £125 to spend' under 'miss xxx xxx' but i thought they could remove it!!!

CocoPopsLover

never-in-doubt wrote: »

its auto after 4 months isn't it?

Thats what I thought

izools

Yes, auto after four months. Rare to get a further increase.

Best way would be to spend about 75% of your limit each month and pay off about 70% of your spend for the first four months. This shows you can stay within your credit limit, afford large repayments, and will be a profitable customer making them interest (i.e. not paying off in full each month).

Then when you get your increase you can change your account behaviour to whatever you like

Best to do it this way because further increases are rare with Cap 1!

never-in-doubt

CocoPopsLover wrote: »

Yes it says 'you have £125 to spend' under 'miss xxx xxx' but i thought they could remove it!!!

Not if you applied yesterday, its already been verified i'd assume.... have you cleared all cookies/cache? Do that cos it may be remembering your details, deffo log-out and log-in again.

If it still shows only card as payment method then they won;t have decided yet - so ring tomorrow.... :rolleyes::rolleyes:

fairmorn308

evening guys

Chad_as_yer_dad

Got my shiny new barclaycard initial and vanquis today. £400 and £500 respectively. Back on the credit ladder hopefully.

plumber2009

never-in-doubt wrote: »

its auto after 4 months isn't it?

Had new T&C Through which take effect from 1st November 2009

Had covering letter refering to my capital one classic card

Quote from clause 19

Clause 19 will be ameded as follows

19.Variation. We may from time to time change your credit limit. You MAY request us at any time to consider an increase or decrease of your credit limit.

never-in-doubt

plumber2009 wrote: »

Had new T&C Through which take effect from 1st November 2009

Had covering letter refering to my capital one classic card

Quote from clause 19

Clause 19 will be ameded as follows

19.Variation. We may from time to time change your credit limit. You MAY request us at any time to consider an increase or decrease of your credit limit.

Ahh nice one! That's new its only 2nd November already lol

plumber2009

Shame I cant upgrade to the cap1 progress card without closing my classic card which has a £1700 limit. Can't risk loosing it all together.

CocoPopsLover

never-in-doubt wrote: »

Not if you applied yesterday, its already been verified i'd assume.... have you cleared all cookies/cache? Do that cos it may be remembering your details, deffo log-out and log-in again.

If it still shows only card as payment method then they won;t have decided yet - so ring tomorrow.... :rolleyes::rolleyes:

yep its still says i have £125 to spend after signing out then in twice!

Woohoo i guess, lol