Flybe credit card

mnomis

Still nothing in the post from them!

Is this good or bad?

never-in-doubt

claire6hy wrote: »

how are they hard???
the only cards i manged to get are sygma cards, crapital one and vanquis..... not my own bank...

Credit scoring and subsequent assessment is individual, the majority of people find them hard to obtain. Because you can get them doesn't make them easy!

I have 3 super prime cards (BOI/HSBC/CitiGold) and have 50 defaults and 700+ searches on my file, again most people on here struggle to get these cards but with the same amount of stuff on file that I have, would make it almost impossible - but they gave me them...... wish I knew why or how that worked but it did!

I hope that explains that no two scenarios will ever be the same. Each case is uniquely individual.

:beer:

never-in-doubt

mnomis wrote: »

Still nothing in the post from them!

Is this good or bad?

no news is good news. It isn't bad news unless you get a letter saying sorry.......

jones_london

Phone them up. They are extremely helpful. I made an application last week and phoned them up a couple of days later (they said it was declined), I then spoke to the underwriters dept and eventually it was approved. Also phoned them up again today to get the credit limit.

ElkyElky

never-in-doubt wrote: »

Credit scoring and subsequent assessment is individual, the majority of people find them hard to obtain. Because you can get them doesn't make them easy!

I have 3 super prime cards (BOI/HSBC/CitiGold) and have 50 defaults and 700+ searches on my file, again most people on here struggle to get these cards but with the same amount of stuff on file that I have, would make it almost impossible - but they gave me them...... wish I knew why or how that worked but it did!

I hope that explains that no two scenarios will ever be the same. Each case is uniquely individual.

:beer:

Credit card companies like you.. until you start sending letters. :rotfl:

Daveb

I got this card after reading about it on here, needed a card I could do a balance transfer on.

Got accepted and did do BT for 6 months.

However I am not happy with Sygma's Customer Service. Very limited on how to pay. I tried via website but it kept failing. So I phoned and a very ned sounding person took my details and said oh yeah thats gone through. Clearly hadnt and still hasnt till this date. I eventually managed to pay when website started working again.

Whenever you phone they dont sound like the nicest people. I wouldnt want to miss a payment anyway thats for sure.

Im paying off my balance and closing the card ASAP! Even before the 6 Months are up, next month hopefully.

stephane_2

Applied few days ago, credit search done yesterday on equifax, called today but was told still with underwriters....just have to wait and see

never-in-doubt

mnomis wrote: »

Still nothing in the post from them!

Is this good or bad?

See above posts - ring them mate and ask!

never-in-doubt

ElkyElky wrote: »

Credit card companies like you.. until you start sending letters. :rotfl:

haha yea, there is that! They see one of my letters and think 'oh god, not again' :rotfl::rotfl::rotfl:

ElkyElky

never-in-doubt wrote: »

haha yea, there is that! They see one of my letters and think 'oh god, not again' :rotfl::rotfl::rotfl:

LOL. I'm still waiting on Lowell getting back to my mother about the whole statue barred thing.

I bet they are wishing they never took the debt over from 1st credit, now that they wont ever see a penny of it.