The Sub Prime Credit Thread - Part IV

seeya23

PROLIANT wrote: »

Just spoke to Silver Mastercard, they say I have been provisionaly accepted for a Silver card, aggreement in the post etc. Does this mean accepted or what?

look like you have got it well done

izools

never-in-doubt wrote: »

Yes mate - you got it. :T :T

But i'm not referring to mobile companies being utilities, even though technically they are. So of course, if you had a mobile contract then you're likely to get another - but if you have BG and Virgin on there it will only help with lesser scored mobile accounts. To get a prime mobile contract you ought to really have a credit card or bank account showing....

But as proven - the rules can go out the window at times and some weird decisions are made! As you've seen for yourself matey

We came to a mutually agreeable conclusion... what the hell is going on? :beer: :rotfl:

never-in-doubt

izools wrote: »

Well done! They seem to be approving everyone this month, huh? :beer:

Betcha a tenner they won't accept me mate :rotfl: :rotfl: :rotfl: :rotfl:

seeya23

never-in-doubt wrote: »

Betcha a tenner they won't accept me mate :rotfl: :rotfl: :rotfl: :rotfl:

give them a try

PROLIANT

I applied on the phone for the Silver card.
With regard to the N&P I cancelled the account - they are an agency bank and so behind the times they could not service my needs for faster payments and local branch etc.

Now with Natwest closing Halifax next month.

edinburgher

Afternoon all!

Bricking it as I applied for a Vanquis card a week ago and haven't heard anything yet. Not entirely sure if the old adage of no news being good news applies to subprime credit cards? I was going to call and enquire if any decision had been made, but their helpline says that it can take up to three weeks, so I didn't continue on with the call.

I have paid off my only defaulted debt (received default in 2006), but the payment probably only cleared ago and now that I think about it, it's unlikely that my credit file has been updated yet

never-in-doubt

edinburgher wrote: »

Afternoon all!

Bricking it as I applied for a Vanquis card a week ago and haven't heard anything yet. Not entirely sure if the old adage of no news being good news applies to subprime credit cards? I was going to call and enquire if any decision had been made, but their helpline says that it can take up to three weeks, so I didn't continue on with the call.

I have paid off my only defaulted debt (received default in 2006), but the payment probably only cleared ago and now that I think about it, it's unlikely that my credit file has been updated yet

If your default is 1yr+ then Vanquis don't mind so much. As you paid it, this will help you. If they do decline you, then in 6 months you'll get accepted.....

izools

I think you'll be fine - they've accepted people with much worse debt than one four year old default!

You'll get a call in a week or two offering a cash advance... then you'll know

edinburgher

You'll get a call in a week or two offering a cash advance... then you'll know

Do you mean that the moment they give people a card they try and sucker them into taking massive APR 'free' cash?

izools

edinburgher wrote: »

Do you mean that the moment they give people a card they try and sucker them into taking massive APR 'free' cash?

Yup! And various care plans and protection plans...