The Sub Prime Credit Thread - Part IV

TFD_2

star-fire wrote: »

i was then going to apply for the BOI card,and checked terms and conditions of all of there current credit cards they have to offer and on all them it says you have to be a resident of ireland.hit the apply button then it will tell you. http://www.bankofireland.ie/

Then try visiting their UK website

http://www.bankofireland.co.uk

Innocent_Guy

TFD wrote: »

Then try visiting their UK website

http://www.bankofireland.co.uk

I take it you have now applied?

BugsyBrowne

yeah applied got same message as you, i take it they only credit search you when you send the paperwork back

BugsyBrowne

my now try somewhere else,did have a look at amex but think i applied to them couple of year back.

Innocent_Guy

star-fire wrote: »

yeah applied got same message as you, i take it they only credit search you when you send the paperwork back

They will manually credit search next week prob Mon or Tues and then decide whether to send the paperwork. Let me know when you get an Equifax alert.

Innocent_Guy

star-fire wrote: »

my now try somewhere else,did have a look at amex but think i applied to them couple of year back.

You gotta slow down on the applications mate! How many credit searches do you have on each CRA?

Innocent_Guy

Here is a list of my searches on Experian:

Lender - Date

HFC Bank.............25/03/2009
Jacamo................26/03/2009
Tesco..................31/03/2009
Capital One..........29/04/2009
Blackhorse...........09/05/2009
GE Capital............15/05/2009
Barclays Bank.......05/06/2009
Santander............17/08/2009
Halifax................11/09/2009
Aqua...................24/09/2009
Capital One..........09/10/2009
Vodafone.............03/12/2009
Barclays Bank......29/12/2009
Barclays Bank......29/12/2009
Tesco.................22/02/2010

Toe-Jam

cifpower wrote: »

I applied at the weekend to upgrade my Northern Bank basic account so should hear back about that in the next day or two, I really just want a full Visa Debit card. My Maestro card is nice and all but looks rather unappealing and is unembossed. Also, some sites have stopped accepting Maestro.

The full Northern account doesn't come with Visa Debit, Its Maestro. Only difference is its got Cheque Guarentee and is embossed.

Hope you got your upgrade :beer:

BugsyBrowne

Equifax ive got 4 on there now..experian i have double that sainsburys searched me twice.
think i have caught the apply and submit bug.
equifax did not have any searchers last week,

Innocent_Guy

star-fire wrote: »

Equifax ive got 4 on there now..experian i have double that sainsburys searched me twice.
think i have caught the apply and submit bug.

I have caught the bug, ditched it, caught it again, ditched it and so on.........