The Sub Prime Credit Thread - Part IV

never-in-doubt

CHALLISAVENUE wrote: »

hi seeya, well he said the limit granted was £6000,not bad i suppose;)

Thats enough applications for me now i think.

Best Wishes

Kelly

Are you even sub prime? I only ask because some of your posts contradict each other and we on here, don't tell porkies.

I have several reasons of doubt:

1. No credit history would be difficult to secure MBNA
2. High overdraft of £8k would be accountable
3. So what's your income again - must be £30k + or MBNA would not give a £6k limit

Now I could be wrong, but from experience I don't think what you're saying and what is happening are the same - if so then great, but I don't honestly believe you. I think you've exaggerated the limits - plus MBNA is not that easy and considering you struggled with Aqua, I highly suspect MBNA would decline you - I can even ask a mate from this forum who works for them.... something isn't right - dunno what though ;);)

sutton111

never-in-doubt wrote: »

They did with me matey :D

Do not apply - you will not get accepted as you have defaults - these have to be gone. I've advised you my opinion, on PM..

Cheers for the advice, i did reply.

BugsyBrowne

CHALLISAVENUE wrote: »

My credit status is fine really apart from one old default due to drop off in september this year for £1,489.

Hopefully you will get something similar.

Kelly

Not being funny or sorry for butting in,but MBNA are very strict and i am sure they would not except someone with a default surely,not saying you did not get the card,just thought they are a well high standard prime card..

never-in-doubt

star-fire wrote: »

Not being funny or sorry for butting in,but MBNA are very strict and i am sure they would not except someone with a default surely,not saying you did not get the card,just thought they are a well high standard prime card..

See my post above ^^^^^^^^^^^^^^^

Also, thanks for highlighting the default - Now I know for a fact that it is not true - MBNA will auto decline you with a default (or the default is fabricated)?.

brians_daughter

One of my brothers got refused an MBNA last week, he has no adverse at all, 5 long standing credit accounts (inc mobile phone). No apps in past 6 months and only missed 1 payment in 24 months. Owns own house, been there 12 years, in same job3 years He has 25% of his salary available to him as credit and is only using 40% of that and still got knocked back..maybe they are being nice to people this week?

I hope aqua are nice to me this week! My app got ref'd to 'the underwritting dept'...and so I wait, and wait for Mr Postie for a yeah or ney lol

sutton111

never-in-doubt wrote: »

See my post above ^^^^^^^^^^^^^^^

Also, thanks for highlighting the default - Now I know for a fact that it is not true - MBNA will auto decline you with a default (or the default is fabricated)?.

Not another Troll!! !!!!!! :mad:

never-in-doubt

brians_daughter wrote: »

One of my brothers got refused an MBNA last week, he has no adverse at all, 5 long standing credit accounts (inc mobile phone). No apps in past 6 months and only missed 1 payment in 24 months. Owns own house, been there 12 years, in same job3 years He has 25% of his salary available to him as credit and is only using 40% of that and still got knocked back..maybe they are being nice to people this week?

I hope aqua are nice to me this week! My app got ref'd to 'the underwritting dept'...and so I wait, and wait for Mr Postie for a yeah or ney lol

That is what i'm saying, MBNA are extremely strict in that if you have adverse, pretty much forget it! I have applied every 6 months for a couple of years and always gets referred, declined, appealed, declined.

Why? I have 4 cards and a couple of banks (4 or 5 lol) and never use cards and would say i'm a great risk.... but not according to them

Me thinks we have a wee fibber amidst us. :rotfl:

Aqua are a weird bunch but deffo worth appealing if its a decline.... good luck.

brians_daughter

sutton111 wrote: »

Not another Troll!! !!!!!! :mad:

I hope not, they were making me feel quite positive about my recent application :mad:

Never got my head round trolls, surely they have something better/more constructive to do?

never-in-doubt

brians_daughter wrote: »

I hope not, they were making me feel quite positive about my recent application :mad:

Never got my head round trolls, surely they have something better/more constructive to do?

I'm not suggesting anyone is a troll, but something just doesn't add up - i'm thinking more ego boosting..... i.e. declined but saying otherwise, or no default. However, would love to see a copy of front of card (blacked out details) along with a screen print of the default - that would shut me up :D

They like to wind people up - god knows how their brain works lol :rotfl:

I repeat i'm accusing nobody of trolling, just some porky tales

kilasuit

Silver card Came 2day.