The Sub Prime Credit Thread - Part IV

Zack1

never-in-doubt wrote: »

Here is the current terms and note the red text

Thought so, thanks. I couldn't click "finish" at the end of the my app, but I got a reference number and email so think it's all fine. It says it wants copy of Student letter...we didn't get any it's all online, might send them an email one rather than printing it out (plus found out my new ID wouldn't have been enabled for printing yet)

My reason for wanting the account was "Debit card" lol, don't know if that's going to be good enough, but they don't offer anything special! I said I'd put 12k in the account and withdraw 11k lol, dunno what they'll make of that either

score

Hi

does anyone know the CRA used by cyprus?


:cool:

never-in-doubt

Experian I believe but waiting confirmation - a few of us applied so when they update the CRA's next week we'll confirm for you ok?

never-in-doubt

Pitch Black (Vin Diesel) about to start - will have it on in background me thinks!

http://www.tvguide.co.uk/tv_channel_streams.asp?c=20

Zack1

As I got my reports so long ago I don't know which one shows a better reflection of me . Hopefully, whichever it is, that's what Cyprus use!

never-in-doubt wrote: »

Pitch Black (Vin Diesel) about to start - will have it on in background me thinks!

http://www.tvguide.co.uk/tv_channel_streams.asp?c=20

Haha, if I wasn't watching MOTD & FL Show I'd watch it.

Just opened it up, that quality isn't too bad either. I get HD (well good as, although it's not officially that) tv through ISP - all the freeview channels - so love it when football is on ITV/BBC/5, means it's so much better quality than my online $ky streams! Part of the reason for my 32" TV/monitor! (with thanks to SLC!)

wizzywig27

You may remember not long ago, I said that I made an error whilst applying for an Argos store card (basically put the address down as flat 6, 1 xxxx Road, but I live at Flat 6, 7 xxxx Road), well today went into Orange shop to sort out problems with Orange online order, and although I gave him a bank statement, he has also put down my address incorrectly, exactly the same as the one I put incorrectly when applying to Argos in December. Anyway, I was accepted, and now they are saying I may need ANOTHER credit check to amend the address? I also need to write in and get this search removed!!! God knows what damage this is going to do to my file!

Credit_newbie

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).

Thanks for the response never-in-doubt, I was leaning toward sthe AquaCard so glad I checked.

In terms of Vanquis vs CapitalOne, does the fact I was previously turned down by Vanquis have an impact? Would I be better off going for the CapitalOne as a result?

Also doe both Vanquis and Capital one use Experian and Equifax? And do neither use CallCredit?

Thanks again

lemma1968

I was turned down by Vanquis but accepted for a Capital One Progress card in the same week - go figure!

Zack1

lemma1968 wrote: »

I was turned down by Vanquis but accepted for a Capital One Progress card in the same week - go figure!

Same!! Well I don't know what Cap1 card I've got, whatever the lowest one is, Credit Builder or something

Even stranger....Vanquis accepted me in the summer but I withdrew application, so they obviously didn't like the fact that when I reapplied I had another card :rotfl:

izools

Credit_newbie wrote: »

Thanks for the response never-in-doubt, I was leaning toward sthe AquaCard so glad I checked.

In terms of Vanquis vs CapitalOne, does the fact I was previously turned down by Vanquis have an impact? Would I be better off going for the CapitalOne as a result?

Also doe both Vanquis and Capital one use Experian and Equifax? And do neither use CallCredit?

Thanks again

Vanquis & Aqua search Experian, Capital One search Experian AND Equifax, Barclaycard search Equifax.

Only the Pre-App check on Barclaycards site uses Call Credit, data on your call credit file is not taken into account during the actual application itself, just Equifax.