The Sub Prime Credit Thread - Part IV

Innocent_Guy

spiritual1 wrote: »

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:

Well obviously I would like to have some clarification first however I think I may to crack ahead and do it.....

Innocent_Guy

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.

I think if you are declined you will get a super decline if you apply for another 'Sygma" product within the next 6 months.

spiritual1_2

Innocent_Guy wrote: »

Well obviously I would like to have some clarification first however I think I may to crack ahead and do it.....

i know what u mean.................. i really struggle with temptation though its like apply apply apply u know u wanna lol

:rotfl:

never-in-doubt

Innocent_Guy wrote: »

I think if you are declined you will get a super decline if you apply for another 'Sygma" product within the next 6 months.

Sygma will super decline if you reapply within 6 months from last application mate, its an immediate credit score decline meaning you cannot appeal either.

You can apply for another sygma card every 3 months (existing customer), but if you get rejected then you wait 6 months..... :D

Innocent_Guy

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:

File is MUCH MUCH better than my last review.

Last time I had the incorrect links inc defaults etc.

This time my only issue is the amount of searches. Did you take a look at the searches I posted up?

brians_daughter

Innocent_Guy wrote: »

I think if you are declined you will get a super decline if you apply for another 'Sygma" product within the next 6 months.

I thought the same.... i dont even need one, i just want one cause everyone else has, and i feel left out - how bads that! I will be a good girl and leave it til July (think i applied in jan/feb I will check my credit file) something to look forward to eh? lol

never-in-doubt

Innocent_Guy wrote: »

File is MUCH MUCH better than my last review.

Last time I had the incorrect links inc defaults etc.

This time my only issue is the amount of searches. Did you take a look at the searches I posted up?

Is it less than 12 mate? If so you should be fine BUT HSBC now do their review across all 3 CRA's so make sure they are all ok... i've just been done by them remember - my experian and CC are fine, equifax still has the odd issue and as such, my lending has been restricted til I go into branch - fcuk that! idiots!

My cifas are all gone now though :T:T

First Direct - here I come :D:D:D

Innocent_Guy

spiritual1 wrote: »

i know what u mean.................. i really struggle with temptation though its like apply apply apply u know u wanna lol

:rotfl:

I caught the apply bug a long time ago lol

never-in-doubt

brians_daughter wrote: »

I thought the same.... i dont even need one, i just want one cause everyone else has, and i feel left out - how bads that! I will be a good girl and leave it til July (think i applied in jan/feb I will check my credit file) something to look forward to eh? lol

Do not reapply to Sygma if you were declined in Jan/Feb until at least 6 months have passed..... you'll jsut get auto declined for breach of policy (credit score decline)...

seeya23

itools think that this is name got turn down after few weeks of getting is first card with them