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The Sub Prime Credit Thread - Part IV

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never-in-doubt
never-in-doubt Posts: 20,613 Forumite
edited 14 January 2010 at 4:25PM in Credit cards
The Sub Prime Credit Thread - Part IV

Welcome to the 4th edition of the fantastic Sub Prime Credit Thread, originally created by Proliant and followed up by CifPower. This thread contains all previous versions of the threads and all the Sub Prime deals available right now!

Last Updated: 15 January 2010
Previous Threads
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Credit Cards
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boxcardvanquisb.jpg boxcardvanquisg.jpg boxcardvanquisr.jpg
Catalogue Accounts
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Basic Bank Accounts
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boxbos.jpg boxcoop.jpg boxhalifax.jpg
boxhsbc.jpg boxlloyds.jpg boxnationwide.jpg
boxnatwest.jpg boxrbs.jpg boxyorkshire.jpg
:o 2010 - year of the troll :o

Niddy - Over & Out :wave:
«134567866

Comments

  • Finally got control eh! Hope you were polite and asked Proliant and Cif first!:o
  • doelani
    doelani Posts: 2,576 Forumite
    Part of the Furniture Combo Breaker
    I'm here, oh the pink vanquis card is fancy lol
    TOTAL 44 weeks lose. 6st 9.5lb :T
  • Thank you for the very fancy thread. I just looked at my experian and equifax. I have about 9 credit accounts showing, all green and the only big one is the car showing at £8k. I think it must be the ccj that is stopping me from getting a card, but if thats the case why have I got two mobile contracts and endless catalogues?
    The ccj shows it was put on in jan 2006 - does anyoone know how long they take to go off the file?
  • Thank you for the very fancy thread. I just looked at my experian and equifax. I have about 9 credit accounts showing, all green and the only big one is the car showing at £8k. I think it must be the ccj that is stopping me from getting a card, but if thats the case why have I got two mobile contracts and endless catalogues?
    The ccj shows it was put on in jan 2006 - does anyoone know how long they take to go off the file?


    CCJ's stay 6 yrs from date of entry onto your credit file.

    Apparantly some lenders only go back 4 yrs when credit checking provided there are no late/missed payments or adverse data within that time, otherwise they go back the whole 6 yrs.

    hope this helps.
  • christhesparky_2
    christhesparky_2 Posts: 355 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    edited 22 November 2009 at 2:00PM
    On checking my credit file last night my defaults have now been removed,

    this just leaves me with the one ccj (now settled) from july 07,
    can anyone recommend a card to apply for

    At the minute i have:-

    Barclays current account
    vanquis card
    capital one classic
    orange mobile contract
    Three mobile contract

    All full of green 0's

    looking to try to move towards mainstream
    Last Cigarette 24/6/09
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    edited 22 November 2009 at 2:50PM
    TBH until that CCJ is older you may still have difficulty getting mainstream. The other one you could add to your list of sub prime cards is the Aqua card, unfortunately even Barclaycard Initial is unlikely with the CCJ there, but you could always use the Barclaycard pre-application checker to see if it's viable:

    https://letmechoose.barclaycard.co.uk/

    Good luck, and keep us posted :o
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    The CapitalOne Progress card hasn't been mentioned on here much. It seems sub-prime. It starts off at the same interest rate as the classic, however the longer you have the card, the lower the interest rate goes, to the lowest being 19.9%.

    It seas you need a good credit history with no CCJ's or Defaults within the last 12 months.

    I would apply, but I already have a classic card and am on a 'no search' sabbatical.
  • cifpower
    cifpower Posts: 6,502 Forumite
    What a pretty thread :D
  • cifpower wrote: »
    What a pretty thread :D

    Thanks cif, I did email Proliant, obviously, cos he started the whole thing (its his baby)...... Just needed sprucing up a bit as old one was too big :D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
    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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