The Sub Prime Credit Thread - Part IV

never-in-doubt

wizzywig27 wrote: »

Not applied for anything in a about a month, maybe three actually, it was Cap1 just before my holiday in September, and they declined me...but I owe them money that I am paying to a DCA lol :rolleyes:

Since that though I have regular payments with JD Williams, Jacamo and Vanquis (although if they take three months to start reporting, I am only on my 2nd statement now)

Only product I have with HBoS is my easycash, which I dont use, and it does not report anyway

I wouldn't apply to Aqua mate. If you have an easycash it is unlikely they will accept you. They may do, but if I were you i'd be waiting (6 months CRA data at least)....

LOL at capital one by the way - you nutter! Not likely they would agree is it haha

wizzywig27

never-in-doubt wrote: »

I wouldn't apply to Aqua mate. If you have an easycash it is unlikely they will accept you. They may do, but if I were you i'd be waiting (6 months CRA data at least)....

LOL at capital one by the way - you nutter! Not likely they would agree is it haha

I actually applied for the Easycash mate, as I had CIFAS, and knew I wouldnt get a standard bank account, and I also wanted the Electron, so I didnt apply for standard and they offered me Easycash, I actaully chose that account - what do you think I should do now?

wizzywig27

never-in-doubt wrote: »

I wouldn't apply to Aqua mate. If you have an easycash it is unlikely they will accept you. They may do, but if I were you i'd be waiting (6 months CRA data at least)....

LOL at capital one by the way - you nutter! Not likely they would agree is it haha

Funny about Cap1, I passed all the things online, you know when you get the green ticks when applying online? Then they declined me.....gimps!

never-in-doubt

wizzywig27 wrote: »

I actually applied for the Easycash mate, as I had CIFAS, and knew I wouldnt get a standard bank account, and I also wanted the Electron, so I didnt apply for standard and they offered me Easycash, I actaully chose that account - what do you think I should do now?

Its up to you but I wouldnt apply, if anything try and get an actual full account from halifax and see how that goes on? But only you can decide what to do, if I were you i'd not be applying. :rolleyes:

never-in-doubt

wizzywig27 wrote: »

Funny about Cap1, I passed all the things online, you know when you get the green ticks when applying online? Then they declined me.....gimps!

LOL, those green ticks don't really mean much mate - at the end of the application they credit search you - this is what will have declined you ultimately....

seeya23

never-in-doubt wrote: »

LOL, those green ticks don't really mean much mate - at the end of the application they credit search you - this is what will have declined you ultimately....

it took me years to get a capone card

wizzywig27

never-in-doubt wrote: »

Its up to you but I wouldnt apply, if anything try and get an actual full account from halifax and see how that goes on? But only you can decide what to do, if I were you i'd not be applying. :rolleyes:

Problem with this one is, I dont really want a full account with anyone, as I know I wont use it. If I aplly and get it, will they close my Easycash? If I apply and dont get it, will they keep my Easycash open?

In regards to Cap1, I presumed as they have sold it on to DCA, the debt is classed as settled on their systems lol

seeya23

capone have in house dca

wizzywig27

I have just applied for a halifax current account, I got the message below:

Thank you for completing your application for the Current Account. Your application has now been submitted. We will contact you within the next 14 days to confirm that your application has been successful and to inform you of your next steps.

Does this look good or not?

never-in-doubt

wizzywig27 wrote: »

I have just applied for a halifax current account, I got the message below:

Thank you for completing your application for the Current Account. Your application has now been submitted. We will contact you within the next 14 days to confirm that your application has been successful and to inform you of your next steps.

Does this look good or not?

Usual mate - my god you are impulsive! Just log in tomorrow and see what the status says...