The Sub Prime Credit Thread - Part IV

Mrs_Ryan

whisp wrote: »

Oh that's pants, but as you say, 2 out of 3 ain't bad

I presume you had just applied online before you posted? (nosey insomniac, sorry!)

Mind, they seem to be a bit unpredictable with their acceptance, they accepted my friend (one 2 year old default on a joint account, no other adverse) but not her husband (same default AFAIK, and otherwise clean!).

They earn the same and have been employed for same amount of time (self-employed in a partnership for 10+ years) and have lived in their house for exactly the same amount of time (13 years), so they found it rather funny. Well, my friend did, her OH didn't :rotfl:

Wonder if their customer service is any better than it was when I had an Aqua card... was quite abysmal back then. Also curious if they'll have me back so I can build up some more green 0s, I didn't have any problems with them and only settled it because I got a limit increase on my lower-APR-than-Aqua Barclaycard, wish I'd left it open now

'scuse my tired insomniac ramblings, really should try going to bed again, got to be up in 3 1/2 hours :eek:

.... wanders off to bed singing Meatloaf .....

Afternoon whisp

I applied yesterday.... boredom and feeling bold cos just got Vanquis dont really need Aqua (got Cap 1, Vanquis, Voda contract SIM and Studio catalogue) just curious to see if I could get 3 outta 3

Royal99

Paul000 wrote: »

Applied to sygma silver (already have flybe) and BoS.

Got the silver, no idea as yet on limit or interest rate, declined on affordability for BoS but sent appeal today using N-I-D's template so many thanks for that, will let you know how it goes

I've been looking into the sygma cards...flybe/silver...as according to some threads on here, they seem to have quite a high acceptance rate for less than perfect credit files....however on the flybe website, it does say you have to have a completely clean file....that doesn't seem to match to what a few people have said on here....can anyone give me a clue as to how they seem to work?

BugsyBrowne

got a feeling i might apply for the flybe card tonight.they are both sygma bank royal but dont know if they score differently on both cards..i do know alot of people on here have got a silver card and flybe card....http://www.cardsmart.co.uk/providers/laser-uk/laser-silver-mastercard.html

noah271007

Royal99 wrote: »

I've been looking into the sygma cards...flybe/silver...as according to some threads on here, they seem to have quite a high acceptance rate for less than perfect credit files....however on the flybe website, it does say you have to have a completely clean file....that doesn't seem to match to what a few people have said on here....can anyone give me a clue as to how they seem to work?

I think they only search Equifax for credit history.... so for those who have adverse data registered against their name, it is possible to pass credit checks as long there is no adverse registered on Equifax file. Not all lenders report adverse data to the 3 CRAs, some report to Experian, some both or some to all three.

Anyone care to dispute this?

sutton111

noah271007 wrote: »

Sutton, im sure it will turn up tmw or the next day. If they said the card is on its way to you, then it is 99% guaranteed you will get the card.

If you are desperate waiting for something to turn up, it always turn up later than you expected.

You were right it did, it came this morning just as i was leaving for the gym!! :j:j

PROLIANT

Just Spoke to Sygma bank, Silver Card in the post, £1000 limit @ 18.9% APR.

sutton111

PROLIANT wrote: »

Just Spoke to Sygma bank, Silver Card in the post, £1000 limit @ 18.9% APR.

Great APR!

BugsyBrowne

well done proliant and a very nice apr too..

sutton111

The hard sell for PPI (well 3-D Protection as they say) wasn't too bad. They weren't over pushy when activating.

doelani

PROLIANT wrote: »

Just Spoke to Sygma bank, Silver Card in the post, £1000 limit @ 18.9% APR.

thats great, did they mention 0% for a period for purchases and BT? I think mine was for 3 months.