The Sub Prime Credit Thread - Part IV

never-in-doubt

wizzywig27 wrote: »

I also made a schoolboy, my JD Williams account minimum payment was due on the 2nd, I didnt realise (it is normally the 4th), anyway I went to pay it last night and it was due, so I paid it but obviously it was late, will they report this even though it was 2 days late? I really hope not as it was just a genuine mistake :-(

Ive explained before - they do not charge you. Basically you will get a reminder in your next statement saying pay this PLUS the o/s amount from last time. They then say if you don't pay a late payment charge will be added.

JD are one of the best for not charging you willy-nilly.

never-in-doubt

wizzywig27 wrote: »

It wasnt there last night ill phone them later I guess, see if they will charge me! In fact I shall call them now

Noooo - just leave it, the automated system does not charge you mate! Make the payment and forget it, you will not get charged!

lemma1968

Just made my first credit applications in donkeys years (except for my mobile hone contract that was renewed last week with o2).

I have applied for Capital One Progress and Vanquis. Neither gave an immediate decision.

I have banked with Cap1 before and had a credit limit of £5k with them about 4 years ago.

Somehow methinks that will not happen this time round.

Fingers crossed.

big_Daddy_Dave

what CCA does cap 1 progress use ?

never-in-doubt

big_Daddy_Dave wrote: »

what CCA does cap 1 progress use ?

What? What do you mean...? :eek:

If you mean CRA then it is Equifax.

ElkyElky

never-in-doubt wrote: »

What? What do you mean...? :eek:

If you mean CRA then it is Equifax.

They report to Experian too. Both my crappy one credit cards are listed on there.

never-in-doubt

ElkyElky wrote: »

They report to Experian too. Both my crappy one credit cards are listed on there.

Why are people quick to state who they report to? This means little, lol. Its who they search that matters surely?

Once you get the account then who cares where they report, to be fair from April all lenders will report to all cra's so that info will soon be defunct lol.

Zack1

never-in-doubt wrote: »

Why are people quick to state who they report to? This means little, lol. Its who they search that matters surely?

Once you get the account then who cares where they report, to be fair from April all lenders will report to all cra's so that info will soon be defunct lol.

:eek:

Does that mean existing accounts will show up with them too, or only new ones?

Searches will still only be recorded with one CRA though? So if I apply for something that's just Equifax and something else that's just Experian they won't know about each other, but they'll see the same information about my existing accounts?

ElkyElky

never-in-doubt wrote: »

Why are people quick to state who they report to? This means little, lol. Its who they search that matters surely?

Once you get the account then who cares where they report, to be fair from April all lenders will report to all cra's so that info will soon be defunct lol.

They may discover nasties from the agency they never searched, with their "monthly feed"?

I noticed I have had my BOS card for over 2 years and only ever had one increase!? !!!!!! is all that about? BOS are really getting on my nerves.

Zack1

ElkyElky wrote: »

They may discover nasties from the agency they never searched, with their "monthly feed"?

I noticed I have had my BOS card for over 2 years and only ever had one increase!? !!!!!! is all that about? BOS are really getting on my nerves.

Mine too!