The Sub Prime Credit Thread - Part IV

seeya23

wizzywig27 wrote: »

Out of interest, a week after opening my Lloyds account, if I applied for an O/D online will it credit check me?

i think they will

kilasuit

they wud check for everything under 1 search and then if above score for each additional element offer it to you.

e.g. o/d CGC DC CC Loan etc etc

Zack1

wizzywig27 wrote: »

To be honest mate, I dont want one, just wondered for future reference. But when I applied over the phone, she did take me through the credit check then ask what products I would like on my account, I said no overdraft, so how do they know what to credit check you for?

They check you and give you a score, then if you said overdraft and your check didn't give you a high enough score they'd either remove it from the application or decline you outright. Alliance said in my email I wasn't getting a overdraft or credit card but can have the basic account, so, if I'd asked, it would have been removed - some banks my just decline though, so I'd always go low (no O/D, no CC etc) and work up based on internal score

wizzywig27

kilasuit wrote: »

they wud check for everything under 1 search and then if above score for each additional element offer it to you.

e.g. o/d CGC DC CC Loan etc etc

see that is sorta what I was trying to say, cos she took me through the credit check then asked what I would like, O/D etc, I just said no O/D but debit card...:o

Zack1

wizzywig27 wrote: »

see that is sorta what I was trying to say, cos she took me through the credit check then asked what I would like, O/D etc, I just said no O/D but debit card...:o

Then maybe, once she clicked that you wanted it, it would've been a "Computer says no" moment?

wizzywig27

Zack1 wrote: »

Then maybe, once she clicked that you wanted it, it would've been a "Computer says no" moment?

Possibly....guess we will never know :rotfl:

also why does everyone else on here have 2 thanks for evey post, and I only have one for each of mine? lol

Zack1

I've just looked at the Crap1 site and I'm going to assume the nice people have given me a Progress card....so do I have a better chance of getting a limit increase in the future than Classic? Or is there still more chance of hell freezing over?

wizzywig27 wrote: »

Possibly....guess we will never know :rotfl:

Ah well, try again in a few months I suppose

wizzywig27

Zack1 wrote: »

Ah well, try again in a few months I suppose

I never applied chap and I didnt want one, just wondering for future reference

seeya23

wizzywig27 wrote: »

Possibly....guess we will never know :rotfl:

also why does everyone else on here have 2 thanks for evey post, and I only have one for each of mine? lol

you have two now

wizzywig27

seeya23 wrote: »

you have two now

cheers mate :rotfl::beer:
See Darlo again tonight? 1-0 up and blew it AGAIN, lost 3-1, they are pants!