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The Sub Prime Credit Thread - Part IV

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  • His file is good, all green (0)'s for the last few years.


    see its this 5 year old default that makes me pause ALSO somethin to consider what apr did you get with your sygma i got the 24.9% rate which means my credit score musta been at there bottom scale, by this i mean presumably if id of got the higher rate of apr ie the better TIER then i probably should of been guaranteed a quick second...............

    what was ure tier?
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    The typical APR on flybee is 16.9% and on Silver is 18.9% does this mean flybee requires a better score?
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    spiritual1 wrote: »
    see its this 5 year old default that makes me pause ALSO somethin to consider what apr did you get with your sygma i got the 24.9% rate which means my credit score musta been at there bottom scale, by this i mean presumably if id of got the higher rate of apr ie the better TIER then i probably should of been guaranteed a quick second...............

    what was ure tier?

    I think that your screename must have some truth behind it as you appear to be reading my mind!

    I got 24.9% APR
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • spiritual1_2
    spiritual1_2 Posts: 136 Forumite
    edited 5 April 2010 at 12:17PM
    The typical APR on flybee is 16.9% and on Silver is 18.9% does this mean flybee requires a better score?


    dont know but my point is with ure sygma card did u get the typical apr???

    they have 3 TIERS dependin on ure credit score for all their brands

    lets say for example if u got the 16.9%apr ure in tier A THE 19.9% URE IN TIER B and the 24.9% ure credit scores in TIER C

    so basically if u picked up ure card at the top tier sygmas scorin system loves u

    :D

    AND FOR THAT MATTER "EVERYONE" whos bagged a top tier rate must pick up a new one EASY i wonder what elkys was...............
  • I think that your screename must have some truth behind it as you appear to be reading my mind!

    I got 24.9% APR


    no comment................:D
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    spiritual1 wrote: »
    dont know but my point is with ure sygma card did u get the typical apr???

    they have 3 TIERS dependin on ure credit score for all their brands

    lets say for example if u got the 16.9%apr ure in tier A THE 19.9% URE IN TIER B and the 24.9% ure credit scores in TIER A

    so basically if u picked up ure card at the tot tier sygmas scorin system loves u

    :D

    I post that question before I had read yours lol...... I was in the bottom tier.
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    spiritual1 wrote: »
    no comment................:D

    Dont start all that freaky !!!!!! on me now :eek::A
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • Dont start all that freaky !!!!!! on me now :eek::A


    i know wish i could change my user name to "its a new age thing" woulda served the same meaning passed off as a common debt relief thing an no one would of picked up anythin from it :rotfl:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    spiritual1 wrote: »
    i know wish i could change my user name to "its a new age thing" woulda served the same meaning passed off as a common debt relief thing an no one would of picked up anythin from it :rotfl:

    Lol :rotfl::rotfl::rotfl:

    Where are my thanks?? :p
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • I post that question before I had read yours lol...... I was in the bottom tier.


    soooooooooooo anyways with us both being in the BOTTOM tier were probably STUFFED lol

    :rotfl::rotfl::rotfl:
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