The Sub Prime Credit Thread - Part IV

never-in-doubt

Innocent_Guy wrote: »

What a shame these guys are not accepting applications anymore I really like the look of the card

http://www.mint.co.uk/

You mean RBS mate :rotfl::rotfl::rotfl:

Miles30

Innocent_Guy wrote: »

You should apply if you want it? TBH NID has over 50searches so you shouldn't get declined on searches.

Bad advice mate. 20 searches in 12 months is bad and the OP has already said it is affecting them. NID is perculiar lol.

Innocent_Guy

izools wrote: »

Urgh... IMHO Lloyds TSB are infinitely better than Barclays in every department, including:

Shorter queues in branch
Shorter queues on the phone
Fewer CRA checks with Lloyds (e.g. open second current a/c search free)
More pre-approved offers with Lloyds
Inland call centres with Lloyds
Better integration between their credit card wing and current account wing
No need to have a card reader to use online banking
Barclays offer Full Auth Visa (4658) on Current A/C by default, Lloyds don't

There's more, thats all that springs to mind at the moment!!

What about HSBC vs Lloyds?

Innocent_Guy

Miles30 wrote: »

Bad advice mate. 20 searches in 12 months is bad and the OP has already said it is affecting them. NID is perculiar lol.

Eq is only 9 - TBH this isn't that bad......

Innocent_Guy

never-in-doubt wrote: »

You mean RBS mate :rotfl::rotfl::rotfl:

Ohhh yeah -"MINT is a business name of The Royal Bank of Scotland"

wizzywig27

Innocent_Guy wrote: »

Keep both matey :beer:

What about my Halifax Reward Account?

never-in-doubt

Miles30 wrote: »

NID is perculiar lol.

would that be peculiar? lol

cheeky bugga! :rotfl::rotfl:

Innocent_Guy

I also want to apply for an egg card lol

http://new.egg.com/visitor/0,,3_84106--View_1763,00.html

izools

Innocent_Guy wrote: »

What about HSBC vs Lloyds?

If you can see past the pretentious attitude of their in branch staff (they all look down their nose at me because I'm not 48 years old with gold / diamond cuff links) and get a full account I suppose HSBC could edge ahead but they are very strict and won't even give me a cash card account.

They are so rude and unhelpful when trying to open a cash account also - the branch sais they don't do cash account apps in branch to go online - so you go online which says call to apply so you call to apply and they say no, go in to branch to apply.

Hate them with a passion. They put through an app for a full account despite me categorically stating CASH ACCOUNT and the lady in branch said "don't come back until your BR order has dropped off your file"... not with that attitude love!

/rant

wizzywig27

izools wrote: »

Urgh... IMHO Lloyds TSB are infinitely better than Barclays in every department, including:

Shorter queues in branch
Shorter queues on the phone
Fewer CRA checks with Lloyds (e.g. open second current a/c search free)
More pre-approved offers with Lloyds
Inland call centres with Lloyds
Better integration between their credit card wing and current account wing
No need to have a card reader to use online banking
Barclays offer Full Auth Visa (4658) on Current A/C by default, Lloyds don't

There's more, thats all that springs to mind at the moment!!

My Barclays Visa Card begins 4539 - that is full auth as well aint it? As I can use on trains etc - does that mean my Lloyds TSB one wont? What about Halifax?

My Barclays Visa is also CGC and contactless