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The Sub Prime Credit Thread - Part IV

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Comments

  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Just called BOI and..........
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    Just called BOI and..........


    OMG!!! The drama and the suspense. ;):D

    It's like an episode of 24! :rotfl::rotfl:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    Just called BOI and..........

    .......................they'll assess your application upon receipt of signed paperwork :D:D:D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Seems everyone is being accepted for Sgyma cards at the moment. :j

    I may wait until I've had my Capital One card for 6 months. :o

    Good thinking or should I apply? :cool:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    .......................they'll assess your application upon receipt of signed paperwork :D:D:D

    Was keyed onto the system today and has been passed to an underwriter to complete the credit check. ALL applications are "worked" by underwriters and there is NO automated decision. I assume the U/W works from a scorecard and determines whether they are willing to take the risk?
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    OMG!!! The drama and the suspense. ;):D

    It's like an episode of 24! :rotfl::rotfl:

    LOL - I know! NID nearly gave me a heart attack the otherday when I submitted my BOI app
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Seems everyone is being accepted for Sgyma cards at the moment. :j

    I may wait until I've had my Capital One card for 6 months. :o

    Good thinking or should I apply? :cool:

    The scoring seems to be VERY LAX at the moment do I personally would risk a search and if you are declined you can then try again in six months so eitherway you are on a winner?

    I have heard that the can score down for recent defaults but someone got one with some defaults from 2007 (I think)

    Worse way it is a waste of a search but hey :beer:
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    I really need to close these god damn abbey accounts
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    The scoring seems to be VERY LAX at the moment do I personally would risk a search and if you are declined you can then try again in six months so eitherway you are on a winner?

    I have heard that the can score down for recent defaults but someone got one with some defaults from 2007 (I think)

    Worse way it is a waste of a search but hey :beer:
    May give it a go then. Hmmmmmm

    I'll wait until tomorrow, when there system are live for automated decisions
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I may try Vanquis again after Easter too.
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