The Sub Prime Credit Thread - Part IV

Credit_newbie

Hello all,

I am planning on applying for a credit building credit card in the next few months and was interested in what the general consensus was on which is best out of Vanquis, Aquacard and Capital One Classic? And which is considerd easiest to get?

I applied for a Vanquis card about a year ago and was declined (due to missing data on credit report) so was leaning towards applying for either the Aquacard or Capital One.

never-in-doubt

Vanquis is easier - go for that and Crappy1 - no harm with 2 searches.

Aqua is Halifax and is a little harder than the other two, but then you also have Barclaycard Initial which does a pre-application check using CallCredit before you actually apply (leaves a footprint).

Down side, Vanquis does not give instant decisions - the others can/do...

Good luck and keep us updated on progress.....

cifpower

Oooh I feel as weak as a kitten today. God knows why. Head is banging and my eyes hurt.

Zack1

never-in-doubt wrote: »

Haha - what are you like mate!

Linky here to all those that want to apply! http://applications.bankofcyprus.co.uk/

Hmmm :rotfl:

This one would get 0's like Natwest then? I'm thinking of trying, if I apply now I guess it would be referred, but then they all seem to be referred?

Are they easy acceptance? I might send them £100 by "mistake" see what happens :rotfl: (then ask for it back if they open the account!!:D)

never-in-doubt

just apply and send the tenner mate - can do no harm lol

Zack1

never-in-doubt wrote: »

just apply and send the tenner mate - can do no harm lol

Haha yea I suppose so, didn't want to waste a search, but I've given up on England card (MBNA) after that reply from them about reapplying when I'm in a job (rather than the "We'd welcome another application from you in 6 months" that the other companies put) so I'll just try for the likes of Tesco in the summer - as long as the searches aren't too high I might get that/get it on appeal!?

kilasuit

just reading about the bank of cyprus account and think you should all read this

http://www.bankofcyprus.co.uk/main/files/Tariff%20of%20bank%20charges%20for%20personal%20customers%20APR10%20-%20revised%2029Jan10.pdf

It is their account conditions Effective from 1 April 2010.

HTH

Zack1

kilasuit wrote: »

just reading about the bank of cyprus account and think you should all read this

http://www.bankofcyprus.co.uk/main/files/Tariff%20of%20bank%20charges%20for%20personal%20customers%20APR10%20-%20revised%2029Jan10.pdf

It is their account conditions Effective from 1 April 2010.

HTH

Is that with reference to the fees for a current account? I believe we're applying for "Online" current account? So there won't be any fee? My application (I'm halfway through) says no cheque book available anyway, which would be the "online" one?

cifpower

kilasuit wrote: »

just reading about the bank of cyprus account and think you should all read this

http://www.bankofcyprus.co.uk/main/files/Tariff%20of%20bank%20charges%20for%20personal%20customers%20APR10%20-%20revised%2029Jan10.pdf

It is their account conditions Effective from 1 April 2010.

HTH

The online account has no fee. The old current account which came with a chequebook and you can no longer apply for will have a fee

never-in-doubt

cifpower wrote: »

The online account has no fee. The old current account which came with a chequebook and you can no longer apply for will have a fee

Here is the current terms and note the red text

A current account with Bank of Cyprus UK will give you everything you need to keep your money in order.

Online Personal Current Account
The Online Personal Current Account is easy to manage and gives you the following features and benefits:

- Interest paid when your account is in credit (interest rate currently 0.25% gross/AER*)
- No quarterly maintenance charge for operating your account
- Free access to our premium SMS text services until 30 June 2010. This includes being able to obtain your account balance via text at any time
- Full use of our Online Banking services allowing you to:
o Pay bills and make payments to other UK bank accounts free of charge via BACS
o Make payments online via CHAPS and SWIFT at a discounted rate
o View, download and print your statements at your convenience
o Monitor your account transactions
o Transfer money instantly between your own Bank of Cyprus UK accounts and to other Bank of Cyprus UK customers (if during business hours and both accounts are in the same currency)
o You can also manage your account via a PDA (Personal Digital Assistant) or an internet enabled mobile phone**.

There is no cheque book with the Online Personal Current Account, however, payments can be made through more secure electronic payment methods such us Online Banking or by debit card.