The Sub Prime Credit Thread - Part IV

Zack1

benoit wrote: »

Well the Bank of Cyprus are certainly hot on thier communication skills -

Dear Mr Benoit,

We regret to inform you that on this occasion we are unable to proceed with your application.


Well that was well thought out & intimately detailed. LOL :rotfl:

:rotfl: Same as what I got... still haven't paid this cheque in haha, it's not worth queuing up for so long for a tenner.... Waiting til I get my uni bursary, then they can both go in together :rotfl:

Miles30

Hi everyone,
MBNA - stay away lol.
I got an outright decline for the MBNA classic credit card. I guess they are harsher than we thought. so guys be warned! I think anything MBNA is hard to get. It didn't hurt as much as being dumped though lol.

Thing is, i thought my credit file was good - no credit searches since july and no adverse. only limited history, just 11 months old.

Of course CRAs dont know that I was in debt by nearly 42k as of 2000.
I got myself into huge debts in 1998/1999 and by 2000 i just couldn't function so moved abroad until 2006 when i returned.

I never applied for anything when I came back until last yr which means it had been about 9 yrs since i last had contact with creditors.

None of my previous debts is listed on my credit report as i never had to give those addresses.

I dont think it will ever catch up with me. well i hope not lol

izools

How many credit cards do you have Miles30? When MBNA gave me a Classic card I had about 16 months history on two cards and a store account. I'd opened a mobile contract about six months prior, too.

Miles30

izools wrote: »

How many credit cards do you have Miles30? When MBNA gave me a Classic card I had about 16 months history on two cards and a store account. I'd opened a mobile contract about six months prior, too.

I have 2 credit cards. Barclaycard is 9 months and crappy 1 is 8 months old.
I have 7 credit accounts on credit file including 2 settled. settled are APS Cashplus credit builder and 1 barclays account.

Among the active accounts include 2 current accounts and 1 pay monthly mobile contract. Non of my accounts is less than 8 months old.

never-in-doubt

mancini601 wrote: »

I am an existing Vanquis customer and have just called them. The diamond card is theirs but they said you will automatically get declined if your are an exisiting Vanquis customer anyway.

Bummer - there goes another decline then lol......

Miles30

never-in-doubt wrote: »

Bummer - there goes another decline then lol......

Niddy, does declines not upset u? lol. i wish i had your courage;)

never-in-doubt

Miles30 wrote: »

Niddy, does declines not upset u? lol. i wish i had your courage;)

Nah, its when I get accepted I think 'oh, that was ok - but why did I apply for it, I really don't need it' :rotfl:

Ive had over 500 searches in the last year and have 7 live accounts - trust me mate, declines are second nature! Although i've decided, from Feb 2010 i'm going to apply for nothing until next February and then see what happens when I apply....

I do tick all the boxes, just my false cifas and many searches that go against me. I have £6k of available credit, earn more than that a month, have a 70% LTV mortgage in one the desired places to live and owe - ermm, £26 to JD Williams - well I did (i'm going to pay it now lol while I remember)....

So by my logic, my declines are based solely on the searches and false cifas data - that's all that is wrong!

Miles30

never-in-doubt wrote: »

Nah, its when I get accepted I think 'oh, that was ok - but why did I apply for it, I really don't need it' :rotfl:

Ive had over 500 searches in the last year and have 7 live accounts - trust me mate, declines are second nature! Although i've decided, from Feb 2010 i'm going to apply for nothing until next February and then see what happens when I apply....

I do tick all the boxes, just my false cifas and many searches that go against me. I have £6k of available credit, earn more than that a month, have a 70% LTV mortgage in one the desired places to live and owe - ermm, £26 to JD Williams - well I did (i'm going to pay it now lol while I remember)....

So by my logic, my declines are based solely on the searches and false cifas data - that's all that is wrong!

You really have the potential of having the perfect credit rating if u can stay away from the apply button lol seeing u dont really need all that credit.
staying away from the apply button will be harder than asking a fat boy to stay away from chips lol. just kidding.

I bet u will apply for the al qaeda credit card when it goes on sale next month lol.

funny, being accepted bothers u more than being declined lol. I get really really upset when i get declined haha.

TheEffect

NID, why do you need credit if you're earning £70k a year... :eek:

usedandabused

think i got rejected for tesco's cc, i filled my emploer details, clicked next and a disclaimer thing about credit rating popped up instantly, didn't read it just pressed close and application screen disappeared checked my email to see whther tesco's acknowledged an application, nothing! did i get rejected?

i never got to the end on normal application to click submit or whatever it is lol