The Sub Prime Credit Thread - Part IV

never-in-doubt

paulmcerlean wrote: »

wasn't there a thread recently where it told someone they were accepted online then they got a rejection letter in the post?

Yes but I am aware of suttons history and all he has is two old defaults several years old - to me there would be no realistic reason to decline him at this point. This only occurs if they miss something and you pass the auto system score, but then it gets picked up.

I'd bet sutton has got it, as I say his file is great in comparison with other people who have been accepted.

never-in-doubt

ElkyElky wrote: »

Your limit will most likely be no more than £200 so I wouldn't go buying the caviar just yet.

I bet he gets £100 :rotfl::rotfl:

Statement 4 will increase it to £500.

ElkyElky

never-in-doubt wrote: »

I bet he gets £100 :rotfl::rotfl:

Statement 4 will increase it to £500.

That'll rule out a bottle of fine champagne aswell.

There's people living in the third world who could surive on £100 for a year so if you look at it that way, you'll feel a tad bit better about it being a !!!!!! limit. :rotfl:

Zack1

sutton111 wrote: »

When it went to the next page, did it tell you've been accepted and the card will be sent to you within 5-7 working days? Or did you get, your application has been referred?

Referred (or good as), said something about 7 to 10 days. I assumed it was a decline as they'd rejected me once, but getting the card in the post was a nice surprise!

ElkyElky wrote: »

Your limit will most likely be no more than £200 so I wouldn't go buying the caviar just yet.

:rotfl:

never-in-doubt wrote: »

I bet he gets £100 :rotfl::rotfl:

Statement 4 will increase it to £500.

Eh!? I thought it went 100 -> 200?

I get my statement 3 soon, so my £100 increase is only a few weeks away :j

seeya23

sutton111 wrote: »

Just applied for a Capital One card. It says I was successful, I even had to sign the box on-line.

Then It tells me I should receive the card within 5-7 working days. And the pin should follow. Does this actually mean that I've been accepted or are they taking the p*ss?

well done sutton

sutton111

never-in-doubt wrote: »

Well done mate - its 100% guaranteed.... nice one.

where have you been hiding? :T

never-in-doubt wrote: »

You've got it if it let you sign online agreement mate - just wait for card to arrive.... :D

I hope your right mate. I would of thought Vanquis may of accepted me first, but never mind. I'm really pleased, if it's true. I don't mind even if it's only £100. It's a building process!!

Fingers crossed!!


I just haven't been on, been busy doing this and that!

What's been happening with you any HSBC updates? lol

sutton111

It said:-

4. My confirmation


Congratulations, Richard
Your online application is now complete
We'll be sending you your card in the next 5 to 7 working days.
Your PIN number will be posted to you seperately.

Your reference number
Your application reference number is XXXXXXXXXXXXX. Please quote this if you need to contact us before you receive your card.

sutton111

seeya23 wrote: »

well done sutton

Thanks! I really hope so. :j

I'm not feeling too well, and I need cheering up.

I see Cif purchased an iTouch 8GB for £200 quid.

I purchased a £64 GB for £287, from Littlewoods in mid December, I used a 20% off code.

sutton111

never-in-doubt wrote: »

Yes but I am aware of suttons history and all he has is two old defaults several years old - to me there would be no realistic reason to decline him at this point. This only occurs if they miss something and you pass the auto system score, but then it gets picked up.

I'd bet sutton has got it, as I say his file is great in comparison with other people who have been accepted.

Yea, I only have 1 satisfied default on Equifax and it tells. O2 accepted me for an iPhone 3GS 32GB, back in September and I seem to have unlimited amounts of raises with SDG! :rolleyes: Latest limits being £2200 with Empire and £1900 with Littlewoods.

Anything with Experian just seems to decline, tried for an HSBC Account plus late last month. Declined!! I do still have 30 odd searches, so that maybe the problem on there. :mad:

seeya23

sutton111 wrote: »

I seem to have unlimited amounts of raises with SDG! :rolleyes: Latest limits being £2200 with Empire and £1900 with Littlewoods.
. :mad:

i got a littlewoods account last month with a limit of £500