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The Sub Prime Credit Thread - Part IV

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  • Zack1
    Zack1 Posts: 1,433 Forumite
    Innocent_Guy wrote: »
    TBH I have applied about 3 times for B/C and always been declined, last app was about 2-3months ago but just had a random feeling to try again lol....

    Does your home address usually work? I just tested a random address and it worked.....
    Yea it normally works on anything, it's the uni addresses that are screwed (we've got basically a housing estate (loads of postcodes depending on our room number etc!) inside a street....a lot of systems don't like it!) but the home one has always been fine

    And so many recent accounts must be bad, that's the problem I have, being 18 about 9 months ago. My Natwest accounts are 2003 & 2004 though, but they only started reporting in May 09 when I got to 18, so do they count as recent accounts or count as accounts in 2003 as that's what the start date shows? :\
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Who's up for posting pictures so we know what everyone looks like? :D
  • cifpower
    cifpower Posts: 6,502 Forumite
    TheEffect wrote: »
    Who's up for posting pictures so we know what everyone looks like? :D
    You first :p
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    Oh we done that on the first SPC thread, even started a facebook. Best not eh?
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    PROLIANT wrote: »
    Oh we done that on the first SPC thread, even started a facebook. Best not eh?


    That was before my time... :D
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    TheEffect wrote: »
    That was before my time... :D
    Many of the regulars have gone; Random fat Bird, Skyrider, Darcy, Sammy Girl, Sutton, Doelani and many more.(Sorry if you did not get a mention if I have missed your name)
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    TheEffect wrote: »
    Who's up for posting pictures so we know what everyone looks like? :D

    Start a facebook group.....
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    Innocent_Guy wrote: »
    What adverse do you have? When did you apply for your b/c?

    I wonder what C/L barclaycard will offer me then?

    No adverse on my EQ file, only EX. Just limited history, circa 18 months at the moment ;) And too many searches!
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • jo-bo
    jo-bo Posts: 393 Forumite
    Part of the Furniture Combo Breaker
    Hi all, long time lurker, only joined today though as i need a bit of help! ( hope never in-doubt might know) I've seen a bit on the news today about credit card rate hikes and wondered if having too much available credit as well as having outstanding debt would go against me in the eyes of the lender.have a few searches as i seem to be addicted to seeing what credit i can get:D, never missed any payments or been late,
    thanks
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    Any time you apply for credit affordability is taken into account.

    I you either

    1. Owe a lot compared to your limits (i.e. balances =>75% of your limits)
    2. Have access to credit facilities (i.e. total credit limits across all cards + loans) of more than about half your annual salary

    The lender may consider you to be over committed or suffering debt stress, as such yes it can go against you depending on the situation ;)
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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