The Sub Prime Credit Thread - Part IV

seeya23

Good morning :) i would go for BOI card

Innocent_Guy

seeya23 wrote: »

Good morning :) i would go for BOI card

Morning,

If I remember BOI do not give instant decisions. I think last time I waited 3-4days for a search to take place.

BugsyBrowne

i have just got half way through BOI credit card for there gold master card,i stopped half way,they ask so many questions,innocent guy you try them then i will give it a go later.oh and nid i got a television on finance,0% last year and payed it off in full to HFC 08/03/2010 couple of weeks ago,but just checked experian and HFc updated on the 14th why is my outstanding balance still on there as i have payed them

Innocent_Guy

star-fire wrote: »

i have just got half way through BOI credit card for there gold master card,i stopped half way,they ask so many questions,innocent guy you try them then i will give it a go later.oh and nid i got a television on finance,0% last year and payed it off in full to HFC 08/03/2010 couple of weeks ago,but just checked experian and HFc updated on the 14th why is my outstanding balance still on there as i have payed them

Oh I like the way you want me to test the water for you! Ha Ha! Remember some lenders such as RBS Group search you throughout the application so it is always best to continue until the end as you may have already been credit searched!

It may take 4 - 6 weeks for them to mark you account as settled.

Innocent_Guy

Nid whos profile you checking out?

seeya23

John Lewis will give you a instant decisions but if you are turn down you have to wait 12 month befor you can reapply for hsbc card

Innocent_Guy

seeya23 wrote: »

John Lewis will give you a instant decisions but if you are turn down you have to wait 12 month befor you can reapply for hsbc card

TBH I am sceptical that if I applied for the JL card and went into HSBC in 6 months time for an account review (Where they do one credit check and score you for all products) they would fail to offer the CC as a result of my JL app.

never-in-doubt

Innocent_Guy wrote: »

Morning,

If I remember BOI do not give instant decisions. I think last time I waited 3-4days for a search to take place.

correct mate BoI do not give instant decisions and they do/can decline after sending paperwork - as they check it again upon return (been there done it lol).....

never-in-doubt

star-fire wrote: »

oh and nid i got a television on finance,0% last year and payed it off in full to HFC 08/03/2010 couple of weeks ago,but just checked experian and HFc updated on the 14th why is my outstanding balance still on there as i have payed them

It will update on their monthly (CIAS/INSIGHT) data spread which can be 6 weeks behind, it should be settled next months (April) update.

never-in-doubt

Innocent_Guy wrote: »

TBH I am sceptical that if I applied for the JL card and went into HSBC in 6 months time for an account review (Where they do one credit check and score you for all products) they would fail to offer the CC as a result of my JL app.

Be sceptical all you like mate - fact of the matter is they will decline you - guaranteed 1 million percent - do it, go on! lol

Their underwriting rules cannot be appealed so if it says 12 months no matter how much you beg, the system will always say no!

If you're sceptical go for it mate! :rotfl: :rotfl: :rotfl: