The Sub Prime Credit Thread - Part IV

never-in-doubt

usedandabused wrote: »

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

it was not submitted - next time don't close it lol..... :rotfl:

usedandabused

never-in-doubt wrote: »

it was not submitted - next time don't close it lol..... :rotfl:

you sure they didn't do a super quick credit check and just decline me with a nice credit rating disclaimer/

never-in-doubt

usedandabused wrote: »

you sure they didn't do a super quick credit check and just decline me with a nice credit rating disclaimer/

They do a revolving check which means that at each page they update their check - i.e. they do a check at the time you apply page by page.

As you cancelled out, i'd go back in and complete it at least that way the staff may see the duplication - just say the browser crashed.

In theory you should be referred (as a result of your stupidity) lol

Unless you went through to the agreement page, ticked the box and clicked submit then it never got submitted mate.

usedandabused

never-in-doubt wrote: »

They do a revolving check which means that at each page they update their check - i.e. they do a check at the time you apply page by page.

As you cancelled out, i'd go back in and complete it at least that way the staff may see the duplication - just say the browser crashed.

In theory you should be referred (as a result of your stupidity) lol

Unless you went through to the agreement page, ticked the box and clicked submit then it never got submitted mate.

i am referred, yes stupidy on part entirely, you can tell i'm a dunce right, that is worlds shortest application though.

i bet i still get declined lol

never-in-doubt

usedandabused wrote: »

i am referred, yes stupidy on part entirely, you can tell i'm a dunce right, that is worlds shortest application though.

i bet i still get declined lol

Referred is good mate, had you submitted it twice then you'd have been declined. The system had to refer you, lol. See what they say - they do allow appeals so bear that in mind, if they ask for 3 bank statements or similar.

Miles30

I want to waste another search. Anybody got experience with Halifax? i want their ultimate reward account. Do you get automatic overdrafts? Do they have pre-approved offers like barclays have?
Cheers

never-in-doubt

save it mate - they are garbage! Lloyds/barclays seem the best for preapprovals as are rbs/natpest

izools

OOOh remember I did a stunt raising NODs against all of my Equifax searches? Well, shop direct financial services (Littlewoods, Kays, etc) agreed to remove theirs

Waiting on responses from the others....

fairmorn308

good evening

Today i paid off my vanquis and MBNA card in full and now have a zero balance, Will pay off my Capital one card off next week and only leave me my Flybe one to pay which is standing at 4k

Miles30

never-in-doubt wrote: »

save it mate - they are garbage! Lloyds/barclays seem the best for preapprovals as are rbs/natpest

cheers mate:beer:. i was under the impression that halifax were good, obviously not lol.

I will try rbs/natwest then even though being credit checked with 2 CRAs is not very appetizing to me lol. I really need a second account.

I already have barclays and A/L but i hate A/L to death lol.

Lloys- hmmmm, i've tried to stay away from them just in case my past catches up on me;):o.