The Sub Prime Credit Thread - Part IV

firthandy

I have appealed to tesco and got a letter back asking for bank statements, I sent then now just waiting to here back

noah271007

firthandy wrote: »

I have appealed to tesco and got a letter back asking for bank statements, I sent then now just waiting to here back

Did you get declined when applying for tesco clubcard CC online?

TheEffect

I applied for Tesco, and got a ''due to you personal information, we cannot offer you a card at the moment''. I then got a letter stating as I already had a Tescos Credit Card, I could not have another one...


Odd.

firthandy

Ya got an instant decline on line so sent appeal letter

Just waiting on letter back

Have a Barclaycard Visa Basic one with 750 limit and flybee and silver card both with 1000 each

big_Daddy_Dave

im just curious

roughly how many years of good history do you need to get a prime card

like say one of those 0% ones or something

noah271007

TheEffect wrote: »

I applied for Tesco, and got a ''due to you personal information, we cannot offer you a card at the moment''. I then got a letter stating as I already had a Tescos Credit Card, I could not have another one...


Odd.

So you DO have a tesco cc TheEffect?? Tesco says on their website that you can't have more than one personal CC with them!

noah271007

big_Daddy_Dave wrote: »

im just curious

roughly how many years of good history do you need to get a prime card

like say one of those 0% ones or something

I imagine 3 years plus would give you a fighting chance.

big_Daddy_Dave

thanks.....

TheEffect

noah271007 wrote: »

So you DO have a tesco cc TheEffect?? Tesco says on their website that you can't have more than one personal CC with them!

Nope, I've never had a Tesco CC.

izools

Depends on everything else though.

Say you had some satisfied defaults from five years ago but are renting, have recently got a new job and new bank account, and have a dependant or two, you're less likely to be approved than someone who may have some satisfied defaults from only three years ago, but has been with their bank and employer for yonks, doesn't have any dependants, and has a mortgage or maybe been at their address for longer.

Hope that makes sense, Sygma seem to be good for bridging the gap between sub prime and prime