The Sub Prime Credit Thread - Part IV

Innocent_Guy

Surely as the data provider it is their responsibility to forward the details to t-mobile?

PARIS_5000

Innocent_Guy wrote: »

Surely as the data provider it is their responsibility to forward the details to t-mobile?

Yes that is correct when I have raised a dispute with experian or equifax they have always contacted the third party and informed me of the outcome in 28 days.

Innocent_Guy

PARIS_5000 wrote: »

Yes that is correct when I have raised a dispute with experian or equifax they have always contacted the third party and informed me of the outcome in 28 days.

Exactly, I am sure NID will have some good legal jargon to tell them :-)

Innocent_Guy

Why are CC so !!!!!!

Zack1

Innocent_Guy wrote: »

Well done matey, If they are decreasing your APR your credit files must be on the up!

Thanks, nothing has changed really apart from more payments? More time at the address I suppose...

When they re-search me for my 2nd app would they take searches into account? I wanted to leave my card unused and apply again after my app spree....

Innocent_Guy

Zack1 wrote: »

Thanks, nothing has changed really apart from more payments? More time at the address I suppose...

When they re-search me for my 2nd app would they take searches into account? I wanted to leave my card unused and apply again after my app spree....

It could be that your spending/payment history is matched to an ideal customer so therefore they have lowered the APR on the way you have maintaned the account.

What second app mate?

Zack1

Innocent_Guy wrote: »

It could be that your spending/payment history is matched to an ideal customer so therefore they have lowered the APR on the way you have maintaned the account.

What second app mate?

Hmmm, that's certainly possible I agree, but it seems strange how 4 months ago I was only good enough for a shocking limit (that it seems like I'm set to keep for life), and on making a few payments of less than 100 quid they've upped my limit (fair enough that was the agreement) and cut my APR - they now won't do anything else ever!

There was talk about a week ago that if you leave your card unused for 3 months you can apply for a 2nd card, if accepted they'll close your old one down (thus saving you taking the risk of closing the card so you can apply again). I'll email to get confirmation though, don't want to waste a search!

Innocent_Guy

Zack1 wrote: »

Hmmm, that's certainly possible I agree, but it seems strange how 4 months ago I was only good enough for a shocking limit (that it seems like I'm set to keep for life), and on making a few payments of less than 100 quid they've upped my limit (fair enough that was the agreement) and cut my APR - they now won't do anything else ever!

There was talk about a week ago that if you leave your card unused for 3 months you can apply for a 2nd card, if accepted they'll close your old one down (thus saving you taking the risk of closing the card so you can apply again). I'll email to get confirmation though, don't want to waste a search!

It prevailed that the info about not using the card for 3months was a load of BS. I have secure messaged cap 1 about this and have been advised that this is not the case. If you look at the pre-requistes for the progress card it states that you cannot currently hold another capital one card.

Zack1

Innocent_Guy wrote: »

It prevailed that the info about not using the card for 3months was a load of BS. I have secure messaged cap 1 about this and have been advised that this is not the case. If you look at the pre-requistes for the progress card it states that you cannot currently hold another capital one card.

Yea I know you can't hold another card, but thought the 3 month thing could be right in that your account could be deemed inactive, and so they'd just shut it down....apparently not though! Thanks, that ruins my plan! Can't try for a higher limit with them until I get another card or a job then.....

Innocent_Guy

Zack1 wrote: »

Yea I know you can't hold another card, but thought the 3 month thing could be right in that your account could be deemed inactive, and so they'd just shut it down....apparently not though! Thanks, that ruins my plan! Can't try for a higher limit with them until I get another card or a job then.....

Apply for Vanquis mate, they will offer you a decent limit.