The Sub Prime Credit Thread - Part IV

Cash_Flow

Good afternoon:D

noah271007

G' afternoon!

I note you got flybe CC. Have you got adverse info registered against your name but still managed to get the CC?

Cash_Flow

noah271007 wrote: »

G' afternoon!

I note you got flybe CC. Have you got adverse info registered against your name but still managed to get the CC?

No adverse mate I have been a good boy lol

Are you thinking of applying?

Whats your file like?

noah271007

Cash_Flow wrote: »

No adverse mate I have been a good boy lol

Are you thinking of applying?

Whats your file like?

Just a single default nearly 3 years old (bank account) that just added to my Equifax file!! Grrr!!

Got over 10 different accounts - 2 credit card accounts, one since 2003 and the other 2008 with no missed payments history.

Oldest account is over 10 years.

Basically file is perfect except for the single default. I am in the process of getting it removed, but looks like it will take a while.

I am considering applying Flybe CC yes.

Cash_Flow

noah271007 wrote: »

Just a single default nearly 3 years old (bank account) that just added to my Equifax file!! Grrr!!

Got over 10 different accounts - 2 credit card accounts, one since 2003 and the other 2008 with no missed payments history.

Oldest account is over 10 years.

Basically file is perfect except for the single default. I am in the process of getting it removed, but looks like it will take a while.

I am considering applying Flybe CC yes.

You should apply mate, maybe at the begining of feb when they have loads of fresh new money to throw at ya.

Lol am sure it does'nt make a difference when you apply:D

Abcynthia

Forgot to ask - Continuing from my last post.

Which Sygma card should I go for? Are some harder to get than others?
Thanks in advance

noah271007

Cash_Flow wrote: »

You should apply mate, maybe at the begining of feb when they have loads of fresh new money to throw at ya.

Lol am sure it does'nt make a difference when you apply:D

Is that because in January is the busiest time of the year for CC applications? I will apply next month and see what they say. Cheers CashFlow

noah271007

Just went through Tesco CC application and have been approved for a CL of £4,000!! My computer froze when i was about to sign the CCA online! So have called helpline and Tesco said they will send the CCA form by post today instead.

So is there anything i should be aware of (i.e second credit checks) before they send out the new card? There is no ID or proof of earnings requirements so i guess i have officially got the card and it is just a matter of paperwork to finalise.

RICK..._2

Quick question, I've just been going through my Aqua paperwork and I've noticed that like a dummy I've signed up for their payment insurance... It says I can write to them and cancel it but no idea what I need to put? Is there any templates or anything available? Or is there anything I need to make sure I include in the letter?

Cash_Flow

noah271007 wrote: »

Just went through Tesco CC application and have been approved for a CL of £4,000!! My computer froze when i was about to sign the CCA online! So have called helpline and Tesco said they will send the CCA form by post today instead.

So is there anything i should be aware of (i.e second credit checks) before they send out the new card? There is no ID or proof of earnings requirements so i guess i have officially got the card and it is just a matter of paperwork to finalise.

Congratulations mate

When my GF was approved for £3500.00 last year, Tesco requested bank statements, GF sent them off and the card dropped through the door about 10 days later with the same limit.