The Sub Prime Credit Thread - Part IV

cybermum

I have a cap 1 card now at £200 limit,a JD Williams account with £600 limit(used £80) and Halifax current account(shocked I got it tbh) that I opened last year.

Applied for Halifax CC(its my bank) and got instant refusal.
I know that showing you can manage credit and having those green zeros is good at rebuilding so I was thinking of getting a mobile on contract though vodaphone refused me 18 months ago.

Who would be good to try?
I have read a bit about barclaycard initial ,are they any good?

izools

noah271007 wrote: »

I passed with flying colours eh? What makes you say that when you had super acceptance yourself, only to have a decline few days later.

Well we'll see after i signed the paperwork.

I am so tempted to apply for Flybe card now. What time does the connection to CRA's end tonight -8pm? cos i don't want it to be referred!

Mate apply for the Silver card instead it looks much nicer:

https://www.your-application.co.uk/NetFinanceCertegymicrosite/silvermastercard/Welcome.aspx

izools

cybermum wrote: »

I have a cap 1 card now at £200 limit,a JD Williams account with £600 limit(used £80) and Halifax current account(shocked I got it tbh) that I opened last year.

Applied for Halifax CC(its my bank) and got instant refusal.
I know that showing you can manage credit and having those green zeros is good at rebuilding so I was thinking of getting a mobile on contract though vodaphone refused me 18 months ago.

Who would be good to try?
I have read a bit about barclaycard initial ,are they any good?

Three will give their "Sim Zero" to near as anyone. Good for getting green zeroes built up!

noah271007

izools wrote: »

Mate apply for the Silver card instead it looks much nicer:

https://www.your-application.co.uk/NetFinanceCertegymicrosite/silvermastercard/Welcome.aspx

Are they easy to get? Application seems straight forward - do they ask for additional info few days after submitting application like ID, proof of income?

Cash_Flow

TheEffect wrote: »

I have Lloyds, Barclays, Santander, HSBC and now First Direct.

Showoff

izools

noah271007 wrote: »

Are they easy to get? Application seems straight forward - do they ask for additional info few days after submitting application like ID, proof of income?

Not if they can ID you electronically. I've never had to sent a CC company proof of residence / ID / income.

Cash_Flow

noah271007 wrote: »

Are they easy to get? Application seems straight forward - do they ask for additional info few days after submitting application like ID, proof of income?

Mate do you really need another card in such a short space of time?

Why not save the search as one day you might need it:D

Look at my sig........ am still trying to offload my searches

Zack1

izools wrote: »

NID and AVU... a match made in heaven

:rotfl:

Almost as good a match as me and Student Finance!

TheEffect wrote: »

Apply. If I can get it with 58 searches and 12 months of credit history, most of you should be fine.

:rotfl: LOL is that serious!?

I'm looking on their site now...£10 a month unless you pay in 1.5k or keep over 1.5k balance for their current account. I don't know if I'd be able to do that, and need to have a current account to get a card

izools wrote: »

Three will give their "Sim Zero" to near as anyone. Good for getting green zeroes built up!

Yea I got a SIM Zero, shockingly! I might take another one to get a few more 0's:rotfl:

Just been on the 3 site... on SIM Zero page there is text that says "This offer is available until 31st January 2010". I can't see any offer, so maybe something else is coming out on 31st (or they are stopping it?)? I'm thinking of waiting to see if any new "offer" comes out, but then if they discontinue it I won't get another one!

cybermum

izools wrote: »

Three will give their "Sim Zero" to near as anyone. Good for getting green zeroes built up!

Thanks,will give it a try :beer:

seeya23

Good morning