The Sub Prime Credit Thread - Part IV

seeya23

nwnovamike wrote: »

Well,

Tried to Aqua, came back straight away with a no. Thought that was a bit weird, so thought I'd give the Vanquis a try then. Again, still a straight no. What's all that about? Surly it cant be that bad? ha.

aqua is harder to get out of the 3 cards

alfred64

Is there a FREE number for capital one existing accounts? its not 0800 9525 354 -tried that.

Also same for aqua would be appreciated.

cifpower

have a look on saynoto0870.com

Zack1

seeya23 wrote: »

zack1 have you apply for a bank account with hsbc yet

Nope, I'll go for it in the summer I think, because with Cap1 and the JDW I've got 2 newish accounts. They rejected me for a student account in about June (but then I did apply for about 20 things in one day....) so will wait a bit longer

seeya23

alfred64 wrote: »

Is there a FREE number for capital one existing accounts? its not 0800 9525 354 -tried that.

Also same for aqua would be appreciated.

capone 0115 993 8002 it.s not free cost less than 0845

aqua 0800 5875770

rushal

Just a quick heads up on the Vanquis Black Diamond card. I see that the interest rates could catch you out still if your thinking of applying for one:

Tier A) 19.9% APR (variable);
Tier 29.9% APR (variable);
Tier C) 34.9% APR (variable);
Tier D) 39.9% APR (variable);
Tier E) 49.9% APR (variable);
Tier F) 59.9% APR (variable).

So you could still end up paying throught the nose if your not careful regardless of wether you go for the normal card or the Black Diamond card so be careful.

never-in-doubt

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.

£500 CC limit usually mate (new customers) - unless your behaviour score at inception overwrites their acceptance (should be 60 for full account & CC).... To get a 60 would mean you have a few active accounts, nothing bad registered and at least over 12 months old (on one of your accounts).... Thats why I waited for 6 months before getting my CC cos knew i'd be able to haggle higher limit and rate (i'm on 9.9% with £3k limit)

i.e. they are happy with your history mate...... :p

Bear in mind they may decline the CC yet - I had mine accepted at first, sent form off then got declined (they do cifas and double check when you send forms back)...

Put it this way, ring a day or two and you'll know if the CC has been accepted cos they will tell you or tell you it is at underwriting (refer).....

Good Luck - fingers crossed :p

seeya23

cif have you started your new job yet

brians_daughter

fawinds wrote: »

Well, the Diamond card looks definitively better :rotfl:

Hi all, i always read your theard but never post on it! lol

Quick Q?
Can you have/apply for a diamond card as an existing vanquis customer or not?

Cheers!

seeya23

brians_daughter wrote: »

Hi all, i always read your theard but never post on it! lol

Quick Q?
Can you have/apply for a diamond card as an existing vanquis customer or not?

Cheers!

no you can only have one card with vanquis