The Sub Prime Credit Thread - Part IV

misscutiepie1984

I actually forgot i got down to 15stone till i saw this i was sooooo gutted.

seeya23

good evening to all

bev309

Evening all.
Has anyone had any experience with the Studio Catalogue? I have placed an order, but not sure if it has been accepted. What I am trying to find out is how & when do they let you know if they have given you a credit limit or you need to pay by card? I don't think I was given an option when I submitted the order originally?
Thanks:beer:

Mrs_Ryan

bev309 wrote: »

Evening all.
Has anyone had any experience with the Studio Catalogue? I have placed an order, but not sure if it has been accepted. What I am trying to find out is how & when do they let you know if they have given you a credit limit or you need to pay by card? I don't think I was given an option when I submitted the order originally?
Thanks:beer:

I've got Studio - they will send you an email to let you know if they've accepted you, and if so they will send you the goods and an invoice stating your credit limit. Usually starts at about £100 but beware - they tend to substantially raise your limit every time you make payment - I started off with a £100 limit after ordering some wrapping paper and gift tags at Xmas - my limit is now somewhere in the region of £700 :eek:

cifpower

When I ordered with Studio I only found out I was accepted when I received the order

never-in-doubt

I bet sygma won't accept me - but i'm not giving them the privilege to reject me lol....

seeya23

never-in-doubt wrote: »

I bet sygma won't accept me - but i'm not giving them the privilege to reject me lol....

you can always try :rotfl::rotfl:

rushal

My money is on 'they will accept you' give it a go NID. My OH hasn't a squeeky clean credit history, yet shes just been accepted for a Flybe card with a £2000 credit limit @ 19.9%

seeya23

rushal wrote: »

My money is on 'they will accept you' give it a go NID. My OH hasn't a squeeky clean credit history, yet shes just been accepted for a Flybe card with a £2000 credit limit @ 19.9%

as she got any Defaults or CCJ's ????

rushal

2 ccj's and a few missed payments (last 3 years). Although to be fair the 2 ccj's must be coming up to 6 years now. Ok, there only for around £150 each but there on the credit report.

Shes reported as being good on the credit report although i've spent the last 4 years getting her credit file in order so sh'es lots of green O's on her file now (apart from the few missed payments) and a fair few credit accounts both cc's and catalogues. Were now in the process of clearing most of these down to small amounts (just to keep the green O's coming) as our fixed rate mortage is due to end at the end of the year.

If your interested she has a vanquis, aqua, capitalone and now a flybe cc (all within the last year)

And she has a littlewoods, empirestores, studio and next catalogue account (been running most of these for the last 3 years) so these are probably what have helped.