Flybe credit card

mnomis

Applied online late last night and received the response "we'll contact you by post in the next 7 to 10 days"

Is this a standard response and how easy is it to get a card from them?

Cheers.

Karl.H_2

After having a flick through the website it seems as if it's an instant decision. Did you 'sign and agree' at the end of application?

mnomis

Karl.H wrote: »

After having a flick through the website it seems as if it's an instant decision. Did you 'sign and agree' at the end of application?

Yep, I typed my name into the agreement box.

cifpower

Some people get accepted automatically and some people don't. Your response was not a straight out decline so keep a candle burning

Karl.H_2

I wouldn't worry and just wait for their response. Hopefully you'll get it.

lilian1977

I applied a week ago and got the same thing, have just called and they've told me it's been declined

jegudiel

The Flybe card is provided by LaSer UK, formally Creation Financial Services. "We'll let you know in 7-10 days" means "We're not sure. We'll think about it", essentially you're very close to the accept/decline margins so it's not clear cut.

Hope that helps. Good luck.

Cash_Flow

jegudiel wrote: »

The Flybe card is provided by LaSer UK, formally Creation Financial Services. "We'll let you know in 7-10 days" means "We're not sure. We'll think about it", essentially you're very close to the accept/decline margins so it's not clear cut.

Hope that helps. Good luck.

Yep what he said.

I applied two weeks ago and got the same message and 8 days later a card dropped through my letterbox.

On the strength of this my girlfriend applied and she got the 7-10 days message and six days later she got a card through the letterbox same limit and APR as myself:D

willstewart

I looked at the this and sure it mentions that "they will give you their decision within 7-10 days" before you make the application.

stephane_2

jegudiel wrote: »

The Flybe card is provided by LaSer UK, formally Creation Financial Services. "We'll let you know in 7-10 days" means "We're not sure. We'll think about it", essentially you're very close to the accept/decline margins so it's not clear cut.

Hope that helps. Good luck.

I thought that Flybe Card was provided by "Sygma Bank" and that Creation Financial Services now "Laser uk" provider store card like debenhams, JJB, next etc...

never-in-doubt

Stephane - you're half right, they issue most storecards such as JJB but next is independant and Debenhams falls under the old GE Money (Santander) brand.

Regards to decisions, if you apply outside normal working hours for ANY credit product then usually it will be referred as they require a live system which ceases at 20.00hrs mon-fri.....

Sygma are hard though and they also issue a lot of cifas warnings so bear this in mind.... personally, avoid them like the plague - they are a mini sub-prime unit. Your main bank should always be considered prior to Sygma - if Sygma will take you then your own bank should as Sygma use a full scorecard meaning they do act as a super prime lender even though some sub prime customers can get a card with them......