The Sub Prime Credit Thread - Part IV

paulq

Hi, been lurking on the boards for a while. I have just been accepted for a Capital One Progress CC, which i am quite pleased about. I got into difficulty about 5 years ago where i slipped on payments and ended up with a default. After sorting my issues out. I aquired an Aqua card with gradual increases on the limits i now have a £1950 limit. I have to say Aqua's hard sell is terrible if you ever phone up and try to pay some money off your bill, you get loads of waffle on products and other stuff. I wont be sad to be leaving them in the coming months. I owe about 400 on the Aqua shall i pay it off and cancel the card or leave it open for the time i am repairing my credit?

seeya23

paulq wrote: »

Hi, been lurking on the boards for a while. I have just been accepted for a Capital One Progress CC, which i am quite pleased about. I got into difficulty about 5 years ago where i slipped on payments and ended up with a default. After sorting my issues out. I aquired an Aqua card with gradual increases on the limits i now have a £1950 limit. I have to say Aqua's hard sell is terrible if you ever phone up and try to pay some money off your bill, you get loads of waffle on products and other stuff. I wont be sad to be leaving them in the coming months. I owe about 400 on the Aqua shall i pay it off and cancel the card or leave it open for the time i am repairing my credit?

i would wait see what limit you get with capone befor you cancel aqua have you try for a flybe card or silver card a lot of people off here been geting it with good limit


https://www.your-application.co.uk/NetFinanceCertegymicrosite/silvermastercard/welcome.aspx

seeya23

zack have you got your new phone yet

usedandabused

where is Never in doubt????

i need his help to try get my £12 back!!!!!

Zack1

seeya23 wrote: »

zack have you got your new phone yet

I haven't been to check the post yet, I need to avoid management (I think it's safe to say our entire flat failed our room inspections!!) so I'll get it in a while when security get here! I should have my England shirt, so hopefully phone is here too

cdlmmll

Just been excepted for Aqua Card estimated £300 limit, what are their increase times and what sort of levels ?

.1xp

So, Vanquis have updated the Diamond Credit Card website.

The number of years at previoius address drop down box works.

Anyone got the card yet? Is the picture of the diamond on the card itself? Or is it just a plain black card?

I know someone said that they were advised that current Vanquis customers could not apply, is this a true fact??

paulq

seeya23 wrote: »

i would wait see what limit you get with capone befor you cancel aqua have you try for a flybe card or silver card a lot of people off here been geting it with good limit

I would be worried about applying for any after just being passed for one, a few days ago.

izools

paulq wrote: »

I would be worried about applying for any after just being passed for one, a few days ago.

Although Aqua (Halifax) search Experian and Sygma only search Equifax, so applying for both would be one on each.

Effectively the same as applying for a Capital One card - as they search both.

So applying for an Aqua card and a Silver card would have no greater effect on chappies credit score than just applying for a Capital One Progress

whisp

edinburgher wrote: »

My Cap One card arrived today - 34.94% APR, £200 limit and a lovely grey picture of the Bullring

Well done

How long ago did you apply edinburger, if you don't mind me asking?