The Sub Prime Credit Thread - Part IV

seeya23

TheEffect wrote: »

I went into Barclays after work to ask for a cheque book, and left with the personal bankers brothers CV to hand into the school I work at.

Was quite amusing.

but did you get a cheque book???

TheEffect

seeya23 wrote: »

but did you get a cheque book???

Yes, I got one on my under 19's account.

Innocent_Guy

Interesting one. I got my response from barclaycard:

"I under you are unhappy with our decision to decline your Barclaycard application.

I can advise that all applications we review are subject to credit scoring ( elaborates on credit scoring )

I can however confirm that the principle reason your orignal application was declined was due to the CRA data. Your application has been given further consideration but we regret that we are unable to alter our original decision"

Does this mean that I was declined on scoring because it sound to me like adverse data?

Zack1

Innocent_Guy wrote: »

Interesting one. I got my response from barclaycard:

"I under you are unhappy with our decision to decline your Barclaycard application.

I can advise that all applications we review are subject to credit scoring ( elaborates on credit scoring )

I can however confirm that the principle reason your orignal application was declined was due to the CRA data. Your application has been given further consideration but we regret that we are unable to alter our original decision"

Does this mean that I was declined on scoring because it sound to me like adverse data?

It sounds like something to do with your report. I'd have thought your report was good given all your other accounts! Maybe the CRA data isn't actually bad, it's that the CRA lists you as having all these accounts, and that affects your score, so that's why they declined you (overcommitted in their eyes?)

Oh and HSD, despite dispatching my order, haven't bothered to tell me whether my limit is going up or down (or staying the same).....

Sam2009

Morning everyone

Quick questions about my Vanquis card. The limit is £250 as I have only just got it. I rang the QuickCall line this morning to see what the balance is and it says £153 to spend.

I think I might have spent more than this though, although not sure as been using it to do the Christmas shopping (paying the balance off in full next Monday though).

It the available balance on QuickCall a real upto date balance or could there still be stuff that hasnt come off there yet ?

Not sure if I have to get all my receipts out and add them all up!


Also - tried the new online thing to pay some off the balance and its says my details are recongised ???? Anyone else having this problem or it is because I am not able to use it yet as not had a first statement ?

sscott5581

Sam2009 wrote: »

Morning everyone

Quick questions about my Vanquis card. The limit is £250 as I have only just got it. I rang the QuickCall line this morning to see what the balance is and it says £153 to spend.

I think I might have spent more than this though, although not sure as been using it to do the Christmas shopping (paying the balance off in full next Monday though).

It the available balance on QuickCall a real upto date balance or could there still be stuff that hasnt come off there yet ?

Not sure if I have to get all my receipts out and add them all up!


Also - tried the new online thing to pay some off the balance and its says my details are recongised ???? Anyone else having this problem or it is because I am not able to use it yet as not had a first statement ?

Your balance is in real time, however give Vanquis a call on their free number 0800 7816314 regarding your other query, avoid the expensive 0870 number.

Steven

Sam2009

Thanks

I rang them and the reason the online payment thing wouldnt work is because I hadnt registered a debit card to use with it. Have done that now

Sam2009

Pah - still doesnt work !! Maybe it takes a while to active or something. Will try again tomorrow lol

doelani

Sam2009 wrote: »

Pah - still doesnt work !! Maybe it takes a while to active or something. Will try again tomorrow lol

If you have registered your card you can pay in on the 0800 number as well.

Sam2009

doelani wrote: »

If you have registered your card you can pay in on the 0800 number as well.

Ahhh - something else I didnt know then

Be glad when i get a statement at least - then I will know how it all works!

Will try and pay over the phone now then and see if that works