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Sub Prime Credit Thread Part III

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  • For your infomation I am subprime because I had/have no credit history. Luckily I have never been reliant on credit so have never needed it.

    So to answer your question is that I did end up sub prime from budgeting properly! :rotfl:

    When are you actually going to start offering some proper advise? Or do you just come on here to release some of your daily stress? :T

    I notice that you have a HSBC account, I worked for HSBC and can assure anyone reading this, that if they BUGET PROPERLY, when using their account, the last thing they will need to do is obtain a sub-prime credit card to improve their credit score, this is because HSBC will fall over themselves offering a customer a credit card with a background that you claim to have! :rolleyes::rolleyes::rolleyes::rolleyes::rolleyes::rolleyes::rolleyes:
  • I notice that you have a HSBC account, I worked for HSBC and can assure anyone reading this, that if they BUGET PROPERLY, when using their account, the last thing they will need to do is obtain a sub-prime credit card to improve their credit score, this is because HSBC will fall over themselves offering a customer a credit card with a background that you claim to have! :rolleyes::rolleyes::rolleyes::rolleyes::rolleyes::rolleyes::rolleyes:
    Ok, what ever you say...... I think I switched off about 3 pages ago LOL :rolleyes:
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • I notice that you have a HSBC account, I worked for HSBC and can assure anyone reading this, that if they BUGET PROPERLY, when using their account, the last thing they will need to do is obtain a sub-prime credit card to improve their credit score, this is because HSBC will fall over themselves offering a customer a credit card with a background that you claim to have! :rolleyes::rolleyes::rolleyes::rolleyes::rolleyes::rolleyes::rolleyes:
    I forgot to ask if you worked for them during the credit crunch? I can assure you that no high street lender is throwing credit at people anymore.
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • davethorp
    davethorp Posts: 1,578 Forumite
    Part of the Furniture 1,000 Posts
    Anyone know if limit increases from the sygma/creation cards like the accessory are automatic or have to be requested. Still on my £400 starting limit from accessory after 6 months and wondering if it's worth a phone call or if I'll be told to sod off
  • davethorp wrote: »
    Anyone know if limit increases from the sygma/creation cards like the accessory are automatic or have to be requested. Still on my £400 starting limit from accessory after 6 months and wondering if it's worth a phone call or if I'll be told to sod off

    you can ring after 6 months and they will do 33% increase usually IIRC :D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • davethorp
    davethorp Posts: 1,578 Forumite
    Part of the Furniture 1,000 Posts
    you can ring after 6 months and they will do 33% increase usually IIRC :D

    Cheers dude, braved the phone. They did a credit check which I was sure would make them laugh but they increased my limit 30% to £520 and I can have it reviewed again in March
  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
    30% and a credit chech? So I'm only going to get a £300 increase on my Flybe card? I could use that valuable search for getting another Sygma card and get a bigger limit.

    Bunch of tight !!!!!!. :mad:
    We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com
  • davethorp
    davethorp Posts: 1,578 Forumite
    Part of the Furniture 1,000 Posts
    None of the other sygma cards (or any other card for that matter) want me at the moment so I'll take my 30%..... for the time being
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    I'm going to have to wait a while before applying for a Sygma card.

    Equifax file is flawless now - no adverse whatsoever but only a year of history on it now! I'm torn between applying for a Barclaycard Breathe or Sygma Siver once I've had my 6th Barclaycard Initial statement... hmm...
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
    I just got instantly accepted for the Tesco credit card!!!

    16.9% APR and a measly credit limit of £250 but brilliant, first instant acceptance since Vanquis.

    OMG Lenders like me now. :smileyhea:smileyhea
    We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com
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