The Sub Prime Credit Thread - Part IV

spiritual1_2

ARTooD2 wrote: »

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?

its probably including ure personal MEMBERSHIP ones which lenders wouldnt see anyway

:beer:

spiritual1_2

jo-bo wrote: »

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!

thats great jo-bo thing about this thread is were all kinda sub prime, the odd default an all that jazz..........

looking at ure credit cards i mean ure in a TOTALLY different credit league than the majority of us ure kinda A1 MAINSTREAM so ure advice whilst appreciated none of us would probably follow...........

i mean lets look at the halifax limit for example emmmmmmmm a £17,000, i wonder if ill get that in this lifetime or the next........... lol

:A

noah271007

I just applied for a Flybe CC online and was instantly accepted.

I got the following words after credit search has undertaken:

CONGRATULATIONS.

Your application has been accepted.
What happens next? We will issue you with your new card and PIN within 7-10 working days.
Your application reference is given below. Please write this down and quote it if you need to contact us.
You can reach us on 0871 376 9222. We are open:

• Monday to Friday 8.30am - 9.00pm
• Saturday 8.30am - 7.30pm
• Sunday 10.00am - 6.00pm

Calls to 0871 numbers will cost 7p per minute (including VAT) from BT landlines (current at December 2009). Cost of calls from non-BT landlines and mobile phones will vary. Please check with your phone provider. Calls may be monitored or recorded for the purpose of quality control.
Your application reference number is: xxxxxxx

So does this mean i got the flybe CC in the bag?

Innocent_Guy

Just applied for Flybe and have been accepted!!!

Innocent_Guy

noah271007 wrote: »

I just applied for a Flybe CC online and was instantly accepted.

I got the following words after credit search has undertaken:

CONGRATULATIONS.

Your application has been accepted.
What happens next? We will issue you with your new card and PIN within 7-10 working days.
Your application reference is given below. Please write this down and quote it if you need to contact us.
You can reach us on 0871 376 9222. We are open:

• Monday to Friday 8.30am - 9.00pm
• Saturday 8.30am - 7.30pm
• Sunday 10.00am - 6.00pm

Calls to 0871 numbers will cost 7p per minute (including VAT) from BT landlines (current at December 2009). Cost of calls from non-BT landlines and mobile phones will vary. Please check with your phone provider. Calls may be monitored or recorded for the purpose of quality control.
Your application reference number is: xxxxxxx

So does this mean i got the flybe CC in the bag?

Yep you have deffo got it! I have also just bitten the bullet and applied and been accepted!

Innocent_Guy

Its your turn now Spiritual....... I bet Sutton will also make another application!!

Innocent_Guy

star-fire wrote: »

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..

What credit limit did they offer?

noah271007

Just called them and they said the credit limit is £1k and APR 19.9%

ElkyElky

I'm jealous. Everyone is being accepted for something. I may apply for a random product that I know I'd be accepted for so I can join in the celebrations. :rotfl:

noah271007

Congratulations Innocent!!

Just call them and they will tell you. I wouldn't be surprised if your application was next to mine lol.