The Sub Prime Credit Thread - Part IV

brians_daughter

well, my patience got the better of me, just called aqua now to see 'if they got my online application ok' (i rang yesterday too lol) and they have accepted me with a £900 limit whhooo

I dont actually need one as i have a cap 1 progress and vanquis already that i try not to use, but aqua have always told me to sod off in the past so wanted to see what they would say! :beer: Apparantly they have sent me some stuff in the post today and card will be with me soon

As you lot have got me obsessed with my credit worthyness is £900 a decent starting limit?

seeya23

brians_daughter wrote: »

well, my patience got the better of me, just called aqua now to see 'if they got my online application ok' (i rang yesterday too lol) and they have accepted me with a £900 limit whhooo

I dont actually need one as i have a cap 1 progress and vanquis already that i try not to use, but aqua have always told me to sod off in the past so wanted to see what they would say! :beer: Apparantly they ahve sent me some stuff in the post today and card will be with me soon

As you lot have got me obsessed with my credit worthyness is £900 a decent starting limit?

well done not bad limit to start with did you sign the cca online

brians_daughter

yes, i had to tick the box and agree to the terms and conditions, print off for own records etc. I do wonder what they are sending through the post? They didnt say they required any more info from me whilst on the phone

PARIS_5000

I applied for Aqua recently online and they sent a credit agreement for me to sign.
This is my second Aqua card I closed my first one last year and both times I had to sign a credit agreement before they sent the card.

I got my pin today and the card follows.

CHALLISAVENUE

never-in-doubt wrote: »

Seriously though, the fact the default was 4 months away from 6 years old is why he was probably accepted though....

Correct and who is this he,my name is Kelly



Regards

Kelly

CHALLISAVENUE

usedandabused wrote: »

looks like the cockroach was talking bull

Jealous are we that i actually achieved something out of the ordinary;),just because i can get the mbna card and you cant really explains your abusive comment


Best Wishes

Kelly

CHALLISAVENUE

Mrs_Ryan wrote: »

er -dont think so, I worked for Abbey with a CCJ against me from er - Abbey :rotfl:

Well they didnt check you thoroughly enough then did they ;););)


Kelly

PS Your crazy obsession with celebrities smacks of desperation tbh, wetehr you know them or not your simply another deluded fan dear,theyre not really bothered about what you think of them,in fact your increasing their bank balances by supporting them,FYI they laugh at people like you dear ;););)


Kelly

CHALLISAVENUE

cockywatchman wrote: »

zzzzzzzz incidently nid why don't you show photo's of your cards in what's in your wallet?

that's cos you don't have a single credit card to your name and very much doubt you ever stepped foot or indeed worked for bank of america certainly not in chester.

what's the story jackanory my multiple alias i bet you that's your game nid the auld deed poll change name scam!

Interesting point of view cocky,

1 and 1 doesnt equal 2 in this case cocky ;););)


Kelly

CHALLISAVENUE

usedandabused wrote: »

pot kettle black, you're the only one talking bull, you auld cockroach

Are you talking to me dear, i do hope not

Kelly

CHALLISAVENUE

brians_daughter wrote: »

Already done this! As i was interested in one myself, but never applied as i had an AP that only was returned to normal status 12 months ago so thought i had no chance!

Spoke with MBNA (twice, 1st person wasnt helpful lol) on 0800 068 8788. I asked what the criteria was for acceptance, was told they couldnt tell me that as it is computer generated re acceptance. I asked 'if for example i had a lete payemnt would that go against me' got told to apply and see. I also asked about defaults - said it was going to drop off on June and said i was concerned about it impacting the result (ficticious- all my dafaults have FINALLY gone whhooo!!) and was told it is highly unlikly i would be accepted with adverse credit and i should wait til June, after it drops off. He did however say if i wanted to apply today i could do, but best to leave it til after the (fictional) default comes off! It did take a lot of time ot extract the datails, as i assume (maybe wronly?) that they staff are on a commission so i got the feeling they wanted me to apply anyway

Seems Kelly was very lucky! Or maybe their default is only registered with one CRA and MBNA search teh other? I dunno!

Yes Kelly is lucky isnt she;) Like i said the default drops off shortly and it clearly hasnt mad a jot of difference to my application now has it;)

Like i said i will post the card on here for all you non doubters soon as it arrives, lets see who wil have the last laugh then,im afraid youll have to eat your words dear now wont u when u see it ;);););)


Kelly