The Sub Prime Credit Thread - Part IV

Innocent_Guy

never-in-doubt wrote: »

p.s I never applied within 3 months but I do have 2 new accounts (coventry and BoC).... the egg decline is from last week (or week before maybe)

You did apply for egg recently lol.... I remember it was a few months ago

wizzywig27

izools wrote: »

No mate, full auth doesn't work on trains - you have an off line card - the opposite of full auth - hence as you say it starts 4539.

The replacement cards or cards for new customers opening a full current account start 4658 and are full auth, unless you specify chequebook & CG at point of applying - and the pass score is a fair amount higher for that. But you already have hat so I suppose that's a moot point...

so my Barclays is full auth - can use on trains
my Lloyds wont be, and my Halifax aint?

fairmorn308

Right

Thats my letters all wrote to the CRA's and also to the electrol roll office

await reply

Innocent_Guy

fairmorn308 wrote: »

Right

Thats my letters all wrote to the CRA's and also to the electrol roll office

await reply

What have you said?

izools

fairmorn308 wrote: »

Right

Thats my letters all wrote to the CRA's and also to the electrol roll office

await reply

Would this have anything to do with removing prior address links?

never-in-doubt

Innocent_Guy wrote: »

You did apply for egg recently lol.... I remember it was a few months ago

more than 3 though, right? :rotfl::rotfl:

izools

wizzywig27 wrote: »

so my Barclays is full auth - can use on trains
my Lloyds wont be, and my Halifax aint?

Ok here's the difference...

Full auth cards can't be used without "Live Authorisation" with the bank, so would decline on a train or if a shop tries to use a floor limit without checking available funds with the auth centre.

Offline cards can be used without live authorisation with the bank, and these cards are the ones that don't debit the transaction amount from your available balance in real time. They can be used in shops with floor limits and on trains that don't have an active GPRS connection.

If you can use your Barclays card on the train either it isn't full auth, or they are using a GPRS connection to contact the auth centre in real time

never-in-doubt

wizzywig27 wrote: »

so my Barclays is full auth - can use on trains
my Lloyds wont be, and my Halifax aint?

Full auth means it needs to dial in and get authorised before it accepts the sale - i.e. on a train it would decline if it was a full auth card as on a train they do not connect to a phone thus no way of authorising the sale.

A full card that does not need to be authorised usually has cheque guarantee on it. i.e. a full card!

wizzywig27

izools wrote: »

Ok here's the difference...

Full auth cards can't be used without "Live Authorisation" with the bank, so would decline on a train or if a shop tries to use a floor limit without checking available funds with the auth centre.

Offline cards can be used without live authorisation with the bank, and these cards are the ones that don't debit the transaction amount from your available balance in real time. They can be used in shops with floor limits and on trains that don't have an active GPRS connection.

I understand that, I am trying to establish what my Halifax debit card is, and what type of card Loyds provide (but I think you have answered that one)

Innocent_Guy

never-in-doubt wrote: »

more than 3 though, right? :rotfl::rotfl:

dont think so mate, I take it they searched experian.