The Sub Prime Credit Thread - Part IV

izools

wizzywig27 wrote: »

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)

Ah right sorry!!!

If you are given a blue Lloyds debit card, it will be Full Auth.

My Lloyds cards are Green and start 4921 - they aren't full auth, they are offline.

Barclays cards starting 4658 are full auth, 4659 and 4539 are offline.

Not sure about halifax

never-in-doubt wrote: »

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

Except in the case of Lloyds TSB who no longer offer CG on any cards Mine has no CG but it is offline (which took a bit of getting used to with the available balance not being live but very quickly became accustomed to it!)

never-in-doubt

Halifax issue full cards or electron

Miles30

wizzywig27 wrote: »

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

Seems like your Barclays visa if full debit card and not full auth. Full visa can be used on the trains. It is full visa if it is CGC. With barclays, only full visa cards are contactless - not the full auth

Edit: just seen your correction

fairmorn308

my CRAs are incorrect and getting a linked address removed.

izools

never-in-doubt wrote: »

Halifax issue full cards or electron

Lol yeah they are trailing behind a bit aren't they? Only ones left to offer Electron, eh? I thought VISA were phasing them out?

wizzywig27

izools wrote: »

Ah right sorry!!!

If you are given a blue Lloyds debit card, it will be Full Auth.

My Lloyds cards are Green and start 4921 - they aren't full auth, they are offline.

Barclays cards starting 4658 are full auth, 4659 and 4539 are offline.

Not sure about halifax



Except in the case of Lloyds TSB who no longer offer CG on any cards Mine has no CG but it is offline (which took a bit of getting used to with the available balance not being live but very quickly became accustomed to it!)

I thought 4921 was Visa Electron?

My Barclays starts 4539 and my Halifax starts 4462 - when I worked at Barclays we were given a site where you could type the BIN number into it for any bank in the world, and it would tell you the issuer, and what type of card it was etc...

fairmorn308

NID

Think i will leave it 6 months or so before i apply to allow time for my CRA's to be sorted

fawinds

telecomengineer wrote: »

SYGMA - To apply or not to apply?

Hi Guys, i have been following this thread for some time and would like your advice regarding applying for Sygma cards

1. What is is the best card to go for first?
2. Is it worth applying as they seem to CIFAS quite a lot?

My Equifax Credit History is as follows

No Adverse e.g CCJs, CIFAS, Defaults etc..
On the Voters Roll at current address for 1 year, (recently new to credit all acounts opened in last 9 months)

1 Barclarcard Initial (opened Jan10 £400 limit)
1 Full Current Account Santander (no overdraft)
1 Shop Direct Account (6 0s £250 limit 0 Balance)
1 Vodafone Contract
1 Creditbuilder (6 months history)

Previous searches 2 in the last 6 months
1 to Barclaycard in Jan 2010 (accepted)
1 to Capital One in Jan 2010 (declined...was accepted online then declined..think because I had applied within 6 months)


Is it work applying for a Sygma or best waiting 6 months?

Your circumstances are almost identical to mine and they declined me.

I had and Aqua card opened 10/2009 and now have capital one and barclaycard initial opened in February, after Sygma declined me.

I would wail at least for six months. 12 to be sure. In my case I will reapply after the summer, when the Aqua card is 12 months and the other two 6 months.

never-in-doubt

fairmorn308 wrote: »

NID

Think i will leave it 6 months or so before i apply to allow time for my CRA's to be sorted

You do right mate - wise choice

izools

wizzywig27 wrote: »

I thought 4921 was Visa Electron?

My Barclays starts 4539 and my Halifax starts 4462 - when I worked at Barclays we were given a site where you could type the BIN number into it for any bank in the world, and it would tell you the issuer, and what type of card it was etc...

LOL so did I when I saw the card number on their screen!!

Maybe it used to be at some point in the distant past and the BINs have been re-allocated?

All I know is it's a full VISA debit and is Offline... means I can't keep a running total of what's in my account "real time" which is ever so slightly frustrating but not a problem because I'm a tight fisted scrooge anyway