The Sub Prime Credit Thread - Part IV

big_Daddy_Dave

anyone know if virgin media have a normal 01, 02 or 03 number for existing customers?

i need to phone up on a mobile (dont have a landline)

Miles30

big_Daddy_Dave wrote: »

anyone know if virgin media have a normal 01, 02 or 03 number for existing customers?

i need to phone up on a mobile (dont have a landline)

Try 01264 401402. I hear it's for Customer services for accounts numbers starting with 5, but they will transfer you if it doesn't.

big_Daddy_Dave

thank youuu

Zack1

Cash_Flow wrote: »

My first capital one card I was given a £400.00 starting limit and no increase on the 4th statement:T

I closed this card and applied again and was given £200.00 starting limit which was increased on the 4th statement to £400.00:rotfl:

Pah that sucks! Still 400 either way I suppose! That's why I kind of don't want to do it, as it's a new account, so if I'm not sure I'd get more it might not be worth it. E.g. say they only gave me another £100 then having 18 months @ £200 will look better than say 4 months @ £300 (or whatever the new limit is, especially true if the new limit is the same as the old one!)

noah271007

I got Capital One classic with a limit of £2,100. I got it since late 2007, when i had a default with 02...but now been removed. I am thinking of closing this one and reapplying again for the Capital One Progress/Plus card.

Should i keep the classic card open but only for emergencies now that I have Tesco CC with CL of £4K 16.9% or hope to get a decent limit with the better APR rate with Capital One? Decisions, decisions!!

Zack1

noah271007 wrote: »

I got Capital One classic with a limit of £2,100. I got it since late 2007, when i had a default with 02...but now been removed. I am thinking of closing this one and reapplying again for the Capital One Progress/Plus card.

Should i keep the classic card open but only for emergencies now that I have Tesco CC with CL of £4K 16.9% or hope to get a decent limit with the better APR rate with Capital One? Decisions, decisions!!

If you've got a 4k with Tesco, at a better rate, and only want to use Crap1 for emergencies then I'd leave it be TBH. If you don't need the credit why damage your file having a newer account and another search - along with the risk you may get the same or lower credit limit?

never-in-doubt

noah271007 wrote: »

Have you applied for MBNA classic Miles30? If so, did you get it?

Did not have time to apply MBNA classic CC application during office hours today, but i will try and find time to apply MBNA classic tmw...hopefully with an instant acceptance outcome.

Mate I told you this yesterday - MBNA are instant decisions 24/7-365! You can apply at 2am or 2pm and the outcome will be spot on exactly the same!

You don't quite grasp that, right? lol :rotfl: :rotfl:

Did you miss my automated decline? They can only do this if they can fully credit score me first... not even a refer, that means it was properly scored against the live Experian database at 11pm or whatever time it was I applied

usedandabused

i have a Cap one and Vanquis bank card, i have a default registered about 2 odd years old, how long will it roughly take before i could become mainstream again?


i'm in no rush though, prudence is my new name lol

never-in-doubt

usedandabused wrote: »

i have a Cap one and Vanquis bank card, i have a default registered about 2 odd years old, how long will it roughly take before i could become mainstream again?


i'm in no rush though, prudence is my new name lol

it will come off 6 years after the actual default date.

usedandabused

never-in-doubt wrote: »

it will come off 6 years after the actual default date.

cheers

good job i'm in no rush then, another 3/4 years to go :rotfl::rotfl::rotfl: