The Sub Prime Credit Thread - Part IV

ARTooD2

I see some people on here (through their sigs) have both jacamo and JD williams account... Thought they were the same thing or am I missing something?

noah271007

Zack1 wrote: »

That was my plan if they'd have accepted me! :mad:

Sorry Tesco declined you. Was it a straight decline or referred and later declined? Any particular reason for the decline?

noah271007

I've heard Tesco can be hit and miss when applying for their credit card. Is there a dedicated thread specifically about tesco clubcard CC anyone?

wizzywig27

ARTooD2 wrote: »

I see some people on here (through their sigs) have both jacamo and JD williams account... Thought they were the same thing or am I missing something?

Same parent company, different cataogues and products available.

There are also others ran by the JD Williams group, such as Fashion World, Home Essentias, to name but a few!

Zack1

noah271007 wrote: »

Sorry Tesco declined you. Was it a straight decline or referred and later declined? Any particular reason for the decline?

Umm I think it was referred, can't remember though as it was a while back not now. Think the only ones who declined me outright were Halifax for their student account, everyone else I've had a letter/email from I think

Not sure why I was declined, probably because I was a student and everyone seems to hate students.... or I probably had a fair few searches back then, so I'll try them again in the summer

ARTooD2

wizzywig27 wrote: »

Same parent company, different cataogues and products available.

There are also others ran by the JD Williams group, such as Fashion World, Home Essentias, to name but a few!

Fair enough...I was just under the impression you were only able to open up one account ...you learn something new...

Cash_Flow

noah271007 wrote: »

The other bonus about having Tesco Clubcard CC is you can use Buy Now Pay Later scheme....

For example you buy a laptop for £399, and you pay it with Tesco Clubcard CC, it will not charge interest on the CC account for 6 months.... basically a loan deal of 6 months 0% APR. It is interest free and earn extra clubcard points!

Explain a little more about this scheme please:o

Cash_Flow

Zack1 wrote: »

I can't understand, even if they do use a different CRA for the main application, how it can be such a different result. And I don't get how my credit history has improved (more 0's and i haven't maxed my cards out last 2 months) yet I now get turned down!

Zack just because you have green (0) it does not automatically mean you are intitled to credit.

Infact any new accounts will lower your score if anything.

wizzywig27

Ok I was hoping someone may be able to help me with this....

I am asking for my mate. Basicaly he has a settle default to HSBC on his file, it was settled in 2006, and the amount was for roughly 1k. Anyway he currently has an account with Nationwide, but they wont upgrade him to a debit card, yet he really needs one for online purchases etc. Can anyone suggest a bank that may be able to help?

Cash_Flow

wizzywig27 wrote: »

Ok I was hoping someone may be able to help me with this....

I am asking for my mate. Basicaly he has a settle default to HSBC on his file, it was settled in 2004, and the amount was for roughly 1k. Anyway he currently has an account with Nationwide, but they wont upgrade him to a debit card, yet he really needs one for online purchases etc. Can anyone suggest a bank that may be able to help?

Barcalys basic account.