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Sub Prime Credit Thread Part III

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Comments

  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    Brians got defaults and just got ASDA / Santander?

    Yea, but he's also got a lot of mainstream cards mate! Also his defaults are over 3 years and some lenders don't look beyond 3 but the subprime ones such as Crappy1 do! I'd say go for Tesco or something, even Asda - you have a better chance there than you will with Crappy1 if you have adverse data less than 3 years old. :D

    Bear in mind I do hate Crappy1 with a passion and you should see the !!!!!! they write back to me (with the marcellep post in 'how to get back on the credit ladder')..... :mad:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    Yea, but he's also got a lot of mainstream cards mate! Also his defaults are over 3 years and some lenders don't look beyond 3 but the subprime ones such as Crappy1 do! I'd say go for Tesco or something, even Asda - you have a better chance there than you will with Crappy1 if you have adverse data less than 3 years old. :D

    Bear in mind I do hate Crappy1 with a passion and you should see the !!!!!! they write back to me (with the marcellep post in 'how to get back on the credit ladder')..... :mad:
    Point taken....
    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
  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
    Asda wouldn't even accept me! And I have no adverse!!!
    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
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    I was thinking, Crappy1 must approve your application and approve the C/L that they offer you on your 4th statement. I know it is not clear what I am saying lol...
    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
  • score
    score Posts: 90 Forumite
    Halifax card
    Hi

    I wanted to know if you have the halifax Plus card card can you apply for the one card?

    Also if you have the plus card can you apply for the plus card from BOS again?
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    ElkyElky wrote: »
    Asda wouldn't even accept me! And I have no adverse!!!
    Any news from Tesco with regards to limit
    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
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    ElkyElky wrote: »
    Asda wouldn't even accept me! And I have no adverse!!!

    But didn't you recently apply for the Zero (that guaranteed thing with the bank account)? :confused: If so that is why.... :p
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    I was thinking, Crappy1 must approve your application and approve the C/L that they offer you on your 4th statement. I know it is not clear what I am saying lol...

    I know what you mean. When they accept you and give you a limit of £100, they really want you to have £500 but retain the £400 until you've proved yourself..... :D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
    never-in-doubt wrote: »
    But didn't you recently apply for the Zero (that guaranteed thing with the bank account)? :confused: If so that is why.... :p

    Noo. I just applied for the Asda credit card a few days ago. Instant decline. On the same day, I applied for the Capital One Plus.

    I've not applied for any bank account for some years.
    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
  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
    Innocent_Guy wrote: »
    Any news from Tesco with regards to limit

    £250 for Tesco, I got told that as soon as I applied. Just waiting for Capital One's limit and APR. I'll leave it till Monday, if still nothing from Capital One, I'll give them a call.
    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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