The Sub Prime Credit Thread - Part IV

sutton111

seeya23 wrote: »

well done sutton things are the way up

Cash_Flow wrote: »

Well done mate, Why A&L I thought you already had an account with abbey?

Thanks seeya.

That's correct Cash Flow.

I do have an Abbey account, but I stopped using them and started using Barclays. They kept messing me about which debit card I could have. Also other tiny little things too.


I applied to Alliance and Leicester purely as a back-up.

sutton111

seeya23 wrote: »

sutton when are you going for a vanqis card then ?????

I can't remember when I last applied TBH.

I know you have to wait 6 months between application. I'd apply if I knew when I last applied.

seeya23

sutton111 wrote: »

I can't remember when I last applied TBH.

I know you have to wait 6 months between application. I'd apply if I knew when I last applied.

when i reapply it was just under 6 months

seeya23

sutton111 wrote: »

I applied to Alliance and Leicester purely as a back-up.

i cant apply for account with a & l as i got them 2 ccjs

sutton111

seeya23 wrote: »

when i reapply it was just under 6 months

lol

Shall I give it ago?

I've applied for a few things recently!!

MBNA, Capital One, Alliance and Leicester, HSBC, and Aqua.

seeya23

sutton111 wrote: »

lol

Shall I give it ago?

I've applied for a few things recently!!

MBNA, Capital One, Alliance and Leicester, HSBC, and Aqua.

they can only say yes or no

sutton111

seeya23 wrote: »

i cant apply for account with a & l as i got them 2 ccjs

Strange, you can get alot more than i could with 2 CCJ's. But since my Defaults are over 3 years old and are satisfied then it makes it alittle easier to get things.

I only have 1 default on Equifax, I was thinking about a Silver Card from Sgyma. :rolleyes:

Any advice?

sutton111

seeya23 wrote: »

they can only say yes or no

Yea, true. I think I applied in August. That's why I was going to leave it a few more weeks.

seeya23

Sgyma use Equifax my wife cant get one and she got note bad on her file apart for being link to me

never-in-doubt

sutton111 wrote: »

What does AVU stand for? And what exactly do they do?

Application Verification Unit - they overrule whatever automated decisions have been made. So like me, I apply and get accepted every time (for RBS branded products) but when I send the agreement back AVU overturn the accept and decline me.

They are like St Peter waiting at the gates ready to reject the bad ones! :rotfl: