The Sub Prime Credit Thread - Part IV

brians_daughter

Innocent_Guy wrote: »

Thats interesting, some people with much worse files have been accepted.

I know, thats why i applied, as i saw a few of us were being accepted with less favourable credit history than me! They obviously dont like me lol.

Is it 6 months i need to wait until they can tell me to do one again?

spiritual1_2

Innocent_Guy wrote: »

It is already showing on my credit file and I have had a statement generated.

mines isnt yet although i did pay £50 onto it first day i activated my card as a good will gesture

sooooooooooooo u wanna apply first and be the crash test dummy and tell me how u got on

OR u hopin i do first INSTEAD .........

:rotfl:

spiritual1_2

brians_daughter wrote: »

I know, thats why i applied, as i saw a few of us were being accepted with less favourable credit history than me! They obviously dont like me lol.

Is it 6 months i need to wait until they can tell me to do one again?

wouldnt think so if u applied for one of there other cards as they must allow for that as long as its not the same card hence why elky picked up a new different branded one a month later

oh and if it makes u feel any better i have one 5 year old default for £350 showin as satisfied and got the silver with a 1k limit hope that makes u feel a little better.

brians_daughter

spiritual1 wrote: »

wouldnt think so if u applied for one of there other cards as they must allow for that as long as its not the same card hence why elky picked up a new different branded one a month later

oh and if it makes u feel any better i have one 5 year old default for £350 showin as satisfied and got the silver with a 1k limit hope that makes u feel a little better.

!


Ohhhh, i can feel an application coming on now then, i think it was the silver that i applied for....

Do they give instant decisions? I know i got a 'we will let you know in 10 working days' reply last time.. is the criteria the same for all the cards, or is there one that is 'better to try for' over another?

never-in-doubt

Innocent_Guy wrote: »

I blame NID for giving my this line of thought!! :eek::eek::eek:

Mate what exactly are you playing at here lol? If your credit file is shaky then do not go for an account review cos your details will be stored for the next 12 months - you have to do this when your CRA files are at their ultimate BEST!

Have I missed something? lol :rotfl::rotfl:

spiritual1_2

never-in-doubt wrote: »

Mate what exactly are you playing at here lol? If your credit file is shaky then do not go for an account review cos your details will be stored for the next 12 months - you have to do this when your CRA files are at their ultimate BEST!

Have I missed something? lol :rotfl::rotfl:

APPARENTLY soooooooo its not an account review were on about.....

:rotfl:

Gillianh2

Sygma refused me too. So will have to stick with my brand new vanquis and be a very good girl and hope that in 6 months time they say YES lol

Innocent_Guy

brians_daughter wrote: »

I know, thats why i applied, as i saw a few of us were being accepted with less favourable credit history than me! They obviously dont like me lol.

Is it 6 months i need to wait until they can tell me to do one again?

I think it is 6 months........ Did you appeal?

spiritual1_2

brians_daughter wrote: »

!


Ohhhh, i can feel an application coming on now then, i think it was the silver that i applied for....

Do they give instant decisions? I know i got a 'we will let you know in 10 working days' reply last time.. is the criteria the same for all the cards, or is there one that is 'better to try for' over another?

i got an instant and called up few hours later for my limit and apr

:beer:

brians_daughter

Innocent_Guy wrote: »

I think it is 6 months........ Did you appeal?

No, TBH i intended to, but i was lazy and didnt get round to it