The Sub Prime Credit Thread - Part IV

fairmorn308

no

time will come

Miles30

Evening guys!

I spoke to MBNA today and apparently, they declined me for the MBNA classic card because I dont have 3 years credit history. They also said I dont have 3 yrs checkable address history - only been on E/R 1yr.

I said I was going to appeal but they said dont bother because it's company policy lol.

Spoke to Capital One again about crappy credit limit and that I wanted account closed. The Floor Manager advised me to write to the Manual review dept, who may be able to help.

full address:

Manual review dept, capital one bank, po box 5285, Nottingham, NG2 3HX.

I was advised to include the limit i wanted and to say what i want it for - purchases or BT. I said I wanted 1000. well, i know they would say it's too much that will give me reason to close account lol

Please also indicate that you're happy for crappy1 to access your credit file info.

Apparently, they will do a soft search but will need your permission.

Anyone can try this as you stand to lose nothing if they say no.

Innocent_Guy

Miles30 wrote: »

Evening guys!

I spoke to MBNA today and apparently, they declined me for the MBNA classic card because I dont have 3 years credit history. They also said I dont have 3 yrs checkable address history - only been on E/R 1yr.

I said I was going to appeal but they said dont bother because it's company policy lol.

Spoke to Capital One again about crappy credit limit and that I wanted account closed. The Floor Manager advised me to write to the Manual review dept, who may be able to help.

full address:

Manual review dept, capital one bank, po box 5285, Nottingham, NG2 3HX.

I was advised to include the limit i wanted and to say what i want it for - purchases or BT. I said I wanted 1000. well, i know they would say it's too much that will give me reason to close account lol

Please also indicate that you're happy for crappy1 to access your credit file info.

Apparently, they will do a soft search but will need your permission.

Anyone can try this as you stand to lose nothing if they say no.

Well done mate, funnily enough I sent cap1 a secure message today asking for c/l increase or close the account....

Miles30

Innocent_Guy wrote: »

I know alot can change on credit files so while I was being accepted I was going to apply. I want to get my app stint out the way so that I can start my SOS..

LOl. Be careful though as that could be interpreted as a sign of desperation probably fraud. Why not wait if you've already got a couple or so:)

izools

Right I've dished out a couple of "Thanks"...

...Sorry just me being ignorant. Many thanks to come I suppose; time to be more... "Versatile" :rotfl:

Miles30

Innocent_Guy wrote: »

Well done mate, funnily enough I sent cap1 a secure message today asking for c/l increase or close the account....

secure message will come back to say 'sorry we dont increase credit limit upon request.' You get to be told the tricks when they actually see that they are going to lose you lol

never-in-doubt

Bl00dy hell mate - did you just thank me? hahahahahaha

Wow, i'll screen print and frame that beauty

never-in-doubt

izools wrote: »

time to be more... "Versatile" :rotfl:

Funny you should say that mate - don't take offence but you gotta come to the new and updated thread...... #253 :rotfl::rotfl:




Niddy grabs jacket and runs!

Innocent_Guy

Miles30 wrote: »

LOl. Be careful though as that could be interpreted as a sign of desperation probably fraud. Why not wait if you've already got a couple or so:)

I agree, might just start my SOS now then?

Innocent_Guy

Miles30 wrote: »

secure message will come back to say 'sorry we dont increase credit limit upon request.' You get to be told the tricks when they actually see that they are going to lose you lol

NID any template letters to send to capital one to justify c/l increase lol