The Sub Prime Credit Thread - Part IV

jo-bo

forgot to mention even if sgyma do give you the best apr they'll always put it up a few months down the line to tier c, doesnt matter how well you've run the account!

benoit

Innocent_Guy wrote: »

What order did you apply for them in? And how long between each app?
:beer:

I applied for the Silvercard and Sygma Days card in December around 2 weeks apart, then the Sygma Myworld and Sygma JJB card in the new year, again about 2 weeks apart.

Silver i got an instant approval, the other 3 all said would be in contact within 7-10 days, the next i knew they just came through the post without them contacting me.

I know it's a big gamble and not sensible to make that many applications so close together but in my case it paid off. Guess i was lucky but i have a really good credit record and have only ever had one refusal which was only because i c0cked the application up.

izools

jo-bo wrote: »

forgot to mention even if sgyma do give you the best apr they'll always put it up a few months down the line to tier c, doesnt matter how well you've run the account!

How do you know this? Or is this just your personal experience?

stephane_2

jo-bo wrote: »

forgot to mention even if sgyma do give you the best apr they'll always put it up a few months down the line to tier c, doesnt matter how well you've run the account!

If they do then I'll close the accounts....don't really need them

jo-bo

i had adams mastercard, jjb golf, jjb card and all of them went up after about 6 mths, same with my husbands leeds mastercard, when i apply i always get tier a, same with days mastercard and silver card

jo-bo

i cant say if this will happen to everyone, but i've never missed a payment with them and they've always given me limit increases, the only one its not happened on is the silver mastercard but i've only used it once!, to be honest i only applied because they pre approved me and i was just about to become self employed!

BugsyBrowne

i got accepted for flybe last week dont think anyone gave a !!!!!! to be honest,but my equifax is all greens never missed a payment no defaults,never had a ccj..payed for the score i know its !!!!!!!! that came out over 400 which said was good,i applied for flybe and honestly thought i would get 16.9% apr but they gave me 19.9% apr and not the biggest credit limit either..

ARTooD2

I have a question about experian credit expert which has probably been asked before (probably by me ) but I just cannot understand why the summary box before you see your report says I have more credit searches than I do. I have gone through the detailed list and I can see all the ones I have applied for. Do NON credit searches show up in that summary too?

tired_mum

Hi all can you help by giving me the website for sygma account holders cant find it anywhere
many thanks

spiritual1_2

tired_mum wrote: »

Hi all can you help by giving me the website for sygma account holders cant find it anywhere
many thanks

creationfs.co.uk