The Sub Prime Credit Thread - Part IV

Mrs_Ryan

that's good - we didnt have the option to do that :mad: we did OH's online.

Zack1

You got accepted then? How much is the ST for you anyway? And how much now Zebra add their fees?

ElkyElky wrote: »

No, I don't have any existing accounts with HSBC. I was highly surprised they accepted me for the credit card, especially not having any sort of history with HSBC themselves.

I'm going to balance transfer my BOS CC balance to HSBC, and start moving all of my direct debits and stuff. If I get a high enough limit, then I'll balance transfer my Flybe too, so I'll only have one card with a balance.

Ah right... I might have a stab at them, in the morning though I guess as I wanna see if I get instant accept....

Yea I understand the thinking behind that, but too many unused cards means you've got stacks of available credit haven't you? Or are you going to close the ones you balance transfer from?

seeya23

Zack1 wrote: »

You got accepted then? How much is the ST for you anyway? And how much now Zebra add their fees?

£280 and £50 pay back £295.14 and 52.68 over 6 months apr is 19.9 %

Zack1

seeya23 wrote: »

£280 and £50 pay back £295.14 and 52.68 over 6 months apr is 19.9 %

Ah that's not too bad. I guess the £50 one is a kids one, that's pretty harsh charging interest on that tbh! But then it's not too bad, thought with the amount of adult customers they get they'd let the kids ones go though!

Hahah Cap1....

Having checked our records, I can see that your account was opened on 26 October 2009. The minimum credit limit for your account was £100. Unfortunately, I’m unable to tell you the maximum limit for your card. We do regularly review all our accounts internally and when your account is eligible for an increase, we'll write and let you know. Please note that different cards have different criteria at different point of time. Therefore the minimum credit limit when you opened your account was different from what it is offered now. Unfortunately, I can't tell you more about the criteria we use, as they have to remain confidential to be effective. (:rotfl: as if) I'm sorry for the disappointment this causes. If you have any other queries, please send us a further secure message.

Why can't they tell me the max!? It says for the other cards 2.5k max, so surely they should say if it's 1k, 2k etc....it's blatantly £200 and they just don't want me to get annoyed and close it.....

seeya23

Zack1 wrote: »

Ah that's not too bad. I guess the £50 one is a kids one, that's pretty harsh charging interest on that tbh! But then it's not too bad, thought with the amount of adult customers they get they'd let the kids ones go though!

.

under 11 was free this season now it £50 for next season

nwnovamike

Hey guys and gals, looking to increase my score from a measly 590 at the mo.

This is the highest it's been in 3 years (due to past problems with credit) and want it higher.

What's the best card going round at the mo to do this. Was just about to apply for the Vanquis, but thought I'd ask before I do, so which one is best?

Thanks a bunch.

My score of 590 is with credit expert.

seeya23

you could try capone or aqua or vanquis make sure you pay it off in full each month

Zack1

seeya23 wrote: »

under 11 was free this season now it £50 for next season

Ouch that's pretty harsh! But then with the debt problems I suppose that's one way to make quick money.... A lot of clubs do charge at 8 anyway, and some even before then

nwnovamike wrote: »

Hey guys and gals, looking to increase my score from a measly 590 at the mo.

This is the highest it's been in 3 years (due to past problems with credit) and want it higher.

What's the best card going round at the mo to do this. Was just about to apply for the Vanquis, but thought I'd ask before I do, so which one is best?

Thanks a bunch.

My score of 590 is with credit expert.

Don't take any notice of the score from Experian or those other con artists, they mean nothing, as every application you make to an actual lender will be scored and assessed differently, and lenders will take into account income for example - Experian don't.

So rather than the score, what's your file like? Do you have defaults? How many accounts, have they been recently opened? Are you on the Electoral Roll? How long have you lived at your address/had your job/had the same bank etc...

Vanquis is probably a good start as they actually give limit raises. Capital One Classic is another option, but they aren't known for their increases!

nwnovamike

Thanks Both.

I don't have a great report to be honest. When the little one was born I just missed a load of payments and then struggled after that.

In a much better situation now though, so just want to build it. Don't think I'd get approved for a standard card, so was just wondering which sub-prime would be best.

Think I may try the aqua. :cool:

seeya23

Zack1 wrote: »

Ouch that's pretty harsh! But then with the debt problems I suppose that's one way to make quick money.... A lot of clubs do charge at 8 anyway, and some even before then

being 7000000 in debt they need to get the money in some fans are not happy but that life