The Sub Prime Credit Thread - Part IV

seeya23

cifpower wrote: »

Just another quick question.

Will money be able to be taken out on a card which has been stopped and for which a new card (with new number) and new pin has been sent out?

The answer to this should settle a few nerves.

when i had a runing with paypal i got a new card and number so they could not take any more money

seeya23

wizzywig27 wrote: »

I just got my Orange bill, good job I have unlimited texts, I sent 2345 last month, thats a lot, imagine if I had been charged!!

you must be a lucky one i only had 1 bill in 14 months :rotfl::rotfl::rotfl:

BugsyBrowne

well guess what never in doubt & tfd i will be getting rid of my vanquis card,thankyou very much indeed.
i actually did not apply to anyone of them 3 cards i posted ear;ier,so fair enough bets off,i am still in shock this company do check equifax ,i then got accepted for the john lewis cc not sure what my apr will be,but bet it will be better than what i am getting.
been trying to check threads but no one seems to talk about them.
not sure what the card will be like,but did say my equifax was alot better than my experian.now going to try set up a thread...and dont think it was luck either cause i did end up paying for my equifax score which was (414) which said most lenders will think you are good for credit,or something along them lines..

seeya23

star-fire wrote: »

well guess what never in doubt & tfd i will be getting rid of my vanquis card,thankyou very much indeed.
i actually did not apply to anyone of them 3 cards i posted ear;ier,so fair enough bets off,i am still in shock this company do check equifax ,i then got accepted for the john lewis cc not sure what my apr will be,but bet it will be better than what i am getting.
been trying to check threads but no one seems to talk about them.
not sure what the card will be like,but did say my equifax was alot better than my experian.now going to try set up a thread...and dont think it was luck either cause i did end up paying for my equifax score which was (414) which said most lenders will think you are good for credit,or something along them lines..

hsbc do the john lewis cc

Innocent_Guy

I want to apply for something....... It must be an lender that searches Equifax..

BugsyBrowne

seeya is that a good thing or bad thing.

never-in-doubt

Stop spamming the threads with the same post will you!!

See here - the original place! #1527 my reply #1528

star-fire wrote: »

well guess what never in doubt & tfd i will be getting rid of my vanquis card,thankyou very much indeed.
i actually did not apply to anyone of them 3 cards i posted ear;ier,so fair enough bets off,i am still in shock this company do check equifax ,i then got accepted for the john lewis cc not sure what my apr will be,but bet it will be better than what i am getting.
been trying to check threads but no one seems to talk about them.
not sure what the card will be like,but did say my equifax was alot better than my experian.now going to try set up a thread...

John Lewis also exclusively search Equifax so maybe that is why you got lucky..... however they will do additional checks prior to sending agreement and again prior to sending card, when they get the signed agreement back.

It is issued by HSBC and they are extremely careful who they lend to - best of luck but I expect them to run things past Experian when they 'dig' deeper unless of course, your only issue is searches in which case you may be ok.

I still think you talk !!!!!!, so would be nice if you post a copy of the card if/when you do get it....

never-in-doubt

Innocent_Guy wrote: »

I want to apply for something....... It must be an lender that searches Equifax..

See above mate - John Lewis are Equifax only.... ^^^^^^^^

star-fire wrote: »

seeya is that a good thing or bad thing.

Bad - for you (good for HSBC)

never-in-doubt

cifpower wrote: »

Will money be able to be taken out on a card which has been stopped and for which a new card (with new number) and new pin has been sent out?.

No - not if it was a recurring payment which I assume the Money Shop will say it is, to stop card cancellation (otherwise we'd all do that!)... See here to learn about the recurring payment (con) set-up....

http://www.moneysavingexpert.com/banking/recurring-payments

seeya23

Good morning