Capitol one online Application???

bigbum_2

confused90 wrote: »

Well i spoke to cap1 today, my card will be here by the 23rd aparently and i have a £500 limit to start with, not bad really as i only want something to buy everyday things like petrol and food shopping then pay off in full just to keep boosting the old credit file.

What other credit cards are available to low credit rated people? i don't have bad credit really but i am self employed and find i'm often placed in the same risk catagory as those with defaults and ccj's.

Congrats Confused :beer:.

The only sub-prime cards i'm aware of are Vanquis, Capital 1, Aqua and Monument but they aren't taking new applications for the time being.

Please keep us posted on your credit increases :beer:.

Rose123

bigbum wrote: »

Hi Rose,

just speaking from personal experience, i don't think Aqua would decline you for having only 2 searches. I had about 5 searches on my file when i applied plus 2 defults and about 11 late payments. You're on the electoral roll which alos helps.

bigbum x

I might just give it a shot!

I also noticed that I think I posted on the wrong thread as you're talking about C1 and I am talking about Vanquis and Aqua

Sorry about that, but thanks for the reponse

x

Parki_2

bigbum wrote: »

Hi Rose,

just speaking from personal experience, i don't think Aqua would decline you for having only 2 searches. I had about 5 searches on my file when i applied plus 2 defults and about 11 late payments. You're on the electoral roll which alos helps.

bigbum x

And I had 2 defaults from over 5 years ago and no late payments and they declined me grrrrrrrrrrrrrrrrrrrrrrrr.

Rose123

Dont worry Parki, I am not expecting a yes either, just got to wait and see!

Parki_2

digitalphase wrote: »

Just thought I'd update to say my card arrived today :beer: Just the plain design though, not the puppy that I chose online Oh well!

Just waiting for Vanquis and Aqua now...

ETA: When I rang to activate the card I asked about the design and she said she's had a lot of people commenting on that, the reason being they have run out of the design I requested Just in case anyone else wonders when their card arrives and its plain

I wonder if anyone has actually recieved the design they asked for ;p

Might be a con. I know I didnt!

Parki_2

Rose123 wrote: »

Dont worry Parki, I am not expecting a yes either, just got to wait and see!

Well im sure you have a good chance Rose. What kind of things are on your credit file? A lot of other people have got accepted so be confident

Rose123

Parki wrote: »

I wonder if anyone has actually recieved the design they asked for ;p

Might be a con. I know I didnt!

I got the design I wanted!

Am I the only one?

Rose123

Parki wrote: »

Well im sure you have a good chance Rose. What kind of things are on your credit file? A lot of other people have got accepted so be confident

Oh gosh errmmm!

3 searches this month! (or is it 4, i might have to double check that)

I think 3/4 missed payments in the last year BUT not in the last 6 months)

No CCJ's, Defaults or Bankrupcy entries

And iv just cleared a bunch of credit that hasnt yet been updated on my credit file as all my cards were nearly up to the brim after lending money out but thankfully I got it back WITH interest!!!!! so im not sure if that has been updated yet!

Parki_2

Rose123 wrote: »

I got the design I wanted!

Am I the only one?

It looks like it ;p What design did you request?

Parki_2

Rose123 wrote: »

Oh gosh errmmm!

3 searches this month! (or is it 4, i might have to double check that)

I think 3/4 missed payments in the last year BUT not in the last 6 months)

No CCJ's, Defaults or Bankrupcy entries

And iv just cleared a bunch of credit that hasnt yet been updated on my credit file as all my cards were nearly up to the brim after lending money out but thankfully I got it back WITH interest!!!!! so im not sure if that has been updated yet!

Well that seems better than what most people on here have got who have been accepted. What limit did you get with cap one?