The Sub Prime Credit Thread - Part IV

seeya23

just got a next account with a £250 limit

ElkyElky

seeya23 wrote: »

just got a next account with a £250 limit

Congratulations. What happened to being Dry until 04.01.2011? :rotfl:

Zack1

Dippychick wrote: »

I rang up to ask my internal credit score and was asked by someone rather rudely.. why I want to know this? I was then put on hold for ages.. so I hung up.. as I was calling off a mobile!! I still don't know what it is!

Which company was that, Halifax?

I want to know mine and what score is needed for each product, doubt they'll tell me though!

That Reward Current Account advert on again....if I get declined :mad:

seeya23 wrote: »

just got a next account with a £250 limit

Well done! Are they easy acceptance? I'm torn between doing it to get more 0's (but potentially wasting a search) or not

ElkyElky wrote: »

Congratulations. What happened to being Dry until 04.01.2011? :rotfl:

LOL :rotfl:

seeya23

ElkyElky wrote: »

Congratulations. What happened to being Dry until 04.01.2011? :rotfl:

my kid was playing up and i forgot lol

seeya23

Zack1 wrote: »

Well done! Are they easy acceptance? I'm torn between doing it to get more 0's (but potentially wasting a search) or not


LOL :rotfl:

i think they are till they take your limit off you like they did to my wife last month

ElkyElky

Zack1 wrote: »

Which company was that, Halifax?

I want to know mine and what score is needed for each product, doubt they'll tell me though!

That Reward Current Account advert on again....if I get declined :mad:


Well done! Are they easy acceptance? I'm torn between doing it to get more 0's (but potentially wasting a search) or not


LOL :rotfl:

Hold off applying for anything else just now. You'll soon be getting declined because of the amount of searches. Let the 0's you've already got do their work in the mean time.

Zack1

seeya23 wrote: »

i think they are till they take your limit off you like they did to my wife last month

I've only used Next once in my whole life (and that wasn't even for myself!)... I want the 0's more than anything .

I still haven't had a JDW statement I paid it because I don't want it to go against me, but surely I should get a paper copy or confirmation?

Zack1

ElkyElky wrote: »

Hold off applying for anything else just now. You'll soon be getting declined because of the amount of searches. Let the 0's you've already got do their work in the mean time.

That's true, and A&L may have searched my twice (to open the account that I didn't expect, then when I wanted an overdraft a few months later).

I don't know how many are on each report, I'll check in June kind of time when I get all of them again, but Capital One searching both at least once doesn't help!

seeya23

Zack1 wrote: »

I've only used Next once in my whole life (and that wasn't even for myself!)... I want the 0's more than anything .

I still haven't had a JDW statement I paid it because I don't want it to go against me, but surely I should get a paper copy or confirmation?

just log in to your jdw account go to view latest transactions it will tell on there if you need to make a payment

Zack1

seeya23 wrote: »

just log in to your jdw account go to view latest transactions it will tell on there if you need to make a payment

Thanks, I know I haven't got to pay anything, I just expected a paper statement by now (they said 28 days and it's been longer than that). As I don't plan on buying anything else any time soon I doubt I'll get any more!