The Sub Prime Credit Thread - Part IV

never-in-doubt

wizzywig27 wrote: »

I was just thinking that myself chap, got a decent history with them, looks like a nice card too

Indeed mate :p

Zack1

never-in-doubt wrote: »

Its Vanquis so I think it will decline!

Why apply at this time of night though? You'd never get an instant decision now? Now I know there is a chance of me getting instant decisions I'll only apply in office hours!

wizzywig27

Have to say, I looked at the website that suggested this, and they said both Vanquis and these dont provide instant decisions

noah271007

izools wrote: »

I'd consider the MBNA - but the Classic card - as the pass mark is much lower than their other cards (I got one with only one year history at the age of 19) and the APR is still good at 17.9% and they do 1.9% balance transfers. That's Experian x1 search.

If you wanted to give an Equifax search up, too, you could try for a Barclaycard Gold (or Initial if you want to be in for a better chance - they'll reduce your APR after six months anyway)

EDIT: Hey Niddy and Wizzy, let us know how you get on with the Diamond card, yeah??

Cheers Izools. The MBNA Classic Mastercard? Do they only search Experian? I will look into this and see if i can apply during office hours tmw. I will let you of the result.

What about Post Office CC? Or are they hard to get? I don't want a decline because it will be my last CC search for 6 months.

never-in-doubt

wizzywig27 wrote: »

Have to say, I looked at the website that suggested this, and they said both Vanquis and these dont provide instant decisions

Exactly mate, Vanquis never do and cos I will get flagged for manual processing due to cifas, it doesn't matter anyway lol :cool::cool:

Cash_Flow

never-in-doubt wrote: »

Its Vanquis so I think it will decline!

You make me laugh man.

You keep pressing that apply button.

I wish I had big "cohonies" like you :rotfl:

wizzywig27

NID - Are you having any problems applying for that diamond card? On my previous address it wont let me select the number of years, I chose the drop down menu and it just has years to select?

never-in-doubt

noah271007 wrote: »

How long CIFAS stay on file for? 1 yr?

13 months mate or longer if the lender that placed the marker feels the fraud is continuing :eek::eek:

noah271007

How many CC searches have you made now NID??

never-in-doubt

wizzywig27 wrote: »

NID - Are you having any problems applying for that diamond card? On my previous address it wont let me select the number of years, I chose the drop down menu and it just has years to select?

Then just click it and see what happens - mine went through - look above for screen print lol :rotfl: