The Sub Prime Credit Thread - Part IV

brians_daughter

seeya23 wrote: »

i had that fully comp was £380 and 3rd party was £520

3rd party f & t worked out £130 DEARER when i passed my test...go figure!
That was with LV, and i am still with em to this day, and the cheapest for me too - i have written a car off and they were brill,I got paid out almost £500 more than what i bought the car for 12 months earlier and i got the money in 6 days! Then 3 weeks ago someone decided to run into the side of me and they have been fab again! cant sing their praises high enough atm

Dont some dealers offer 12 months free insurance, or is that on brand newies only?

spiritual1_2

Innocent_Guy wrote: »

I'm looking at also applying for the Flybe or the donate as you spend.

I was accepted for the Silver card recently but am yet to make a payment. I may clear the balance then make another application.

Any ideas?

i was thinking it must depend on the credit limit ure after elkys been given a quite low credit limit by sygma standards for his second card, bearing in mind ure not likely to get an increase for 6 months im thinking im gonna be patient..........and wait till 1st november as id rather increase my chances of a high limit to start........

Innocent_Guy

spiritual1 wrote: »

cool im sooooooooooo tempted now id been told previously to wait minimu of 6-8 months.........

Shall we both apply? :rotfl:

brians_daughter

Innocent_Guy wrote: »

I'm looking at also applying for the Flybe or the donate as you spend.

I was accepted for the Silver card recently but am yet to make a payment. I may clear the balance then make another application.

Any ideas?

They wont even give me 1 card...dunno what i have done to offend lol

I would hang on til the end of the year tbh (well, i probably wouldnt but would advise others to!)

Innocent_Guy

spiritual1 wrote: »

i was thinking it must depend on the credit limit ure after elkys been given a quite low credit limit by sygma standards for his second card, bearing in mind ure not likely to get an increase for 6 months im thinking im gonna be patient..........and wait till 1st november as id rather increase my chances of a high limit to start........

You could get another Sygma card in November with a higher limit

Remember they have about 10 different cards....

sutton111

Innocent_Guy wrote: »

You could get another Sygma card in November with a higher limit

Remember they have about 10 different cards....

Oh i'll apply for a Flybe card next i think. In 6 months time.

Innocent_Guy

brians_daughter wrote: »

They wont even give me 1 card...dunno what i have done to offend lol

I would hang on til the end of the year tbh (well, i probably wouldnt but would advise others to!)

What is your credit file like though?

spiritual1_2

Innocent_Guy wrote: »

You could get another Sygma card in November with a higher limit

Remember they have about 10 different cards....

mmmmmmmmmmm theres a thought one every 6 months........

:rotfl:

sutton111

Innocent_Guy wrote: »

You could get another Sygma card in November with a higher limit

Remember they have about 10 different cards....

BTW who did Barclay's search when you bought your iMac?

Innocent_Guy

sutton111 wrote: »

Oh i'll apply for a Flybe card next i think. In 6 months time.

I think they have offered so many card recently their criteria will be sooo much stricter in 6 months time. This is why I am tempted to apply now :beer: