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The Sub Prime Credit Thread - Part IV

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  • PARIS_5000
    PARIS_5000 Posts: 868 Forumite
    edited 2 January 2010 at 10:04PM
    If you are accepted Argos will email you and send you a credit agreement. When I got my email and called them they could see immediately that my application was approved and that a credit agreement had been sent out to me.

    I would wait for the email and not call them.
  • wizzywig27
    wizzywig27 Posts: 1,536 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    PARIS_5000 wrote: »
    If you are accepted Argos will email you and send you a credit agreement. When I got my email and called them they could see immediately that my application was approved and that a credit agreement had been sent out to me.

    I would wait for the email and not call them.

    Not looking good for me then is it!
  • I will keep my fingers cross for you but if they are sending you a letter that does not sound very good to me.
  • fairmorn308
    fairmorn308 Posts: 1,530 Forumite
    evening troops
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    ElkyElky wrote: »
    Whether a card gives instant decision or whether they take 3-5 years to process the application.... you've got the exact same chance of receiving that dreaded decline.

    Try Tesco. They seem to like students, after appealing.
    Barclaycard can decline you immediatly however the message is still the we will contact you in 7-10 days. I have confirmed this with an u/w @ bc
    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
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    evening troops
    Good Evening
    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
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    PARIS_5000 wrote: »
    If you are accepted Argos will email you and send you a credit agreement. When I got my email and called them they could see immediately that my application was approved and that a credit agreement had been sent out to me.

    I would wait for the email and not call them.
    O/H had instant accept in store and was given temp card and signed the agreement instore.
    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
  • fairmorn308
    fairmorn308 Posts: 1,530 Forumite
    O/H had instant accept in store and was given temp card and signed the agreement instore.

    any nasties?
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    any nasties?
    Late and missed payments - no defaults or CCJ's
    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
  • fairmorn308
    fairmorn308 Posts: 1,530 Forumite
    am tempted tho, what sort of limit.
This discussion has been closed.
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