The Sub Prime Credit Thread - Part IV

plumber2009

Zack1 wrote: »

A NOC can't cause a decline - it means they have to manually review it, they can't decline you *because* you've got one though. What's the NOC about? If it doesn't clarify the situation well enough then they may just decline you based on that - i.e. your file as if the NOC wasn't there - but the fact you've got one won't mean it's a decline, they aren't allowed to do that

Just expains why i have defaults on my file.

I explained that i lost my job in 2007.

Im just thinking of reapplying for the flybe card cos i got told to reaply once i was on the register i should be accepted. 6 months later(recentley) i applied for silver but was declined.

kilasuit

sutton111 wrote: »

They declined me. !!!!!!!!.

i believe we were both stung by the same needle seeing as you applied not that long after me and i also was declined the flybe card.

Maybe there is a minimum waiting time for you to be able to apply.

all be it maybe only a month

sutton111

I hope they don't take my Silvercard away.

sutton111

kilasuit wrote: »

i believe we were both stung by the same needle seeing as you applied not that long after me and i also was declined the flybe card.

Maybe there is a minimum waiting time for you to be able to apply.

all be it maybe only a month

Yeah probably. Give it 3 months or so. I just hope they don't think about removing my Silvercard.

kilasuit

sutton111 wrote: »

I hope they don't take my Silvercard away.

they'd have no reason to.

and if in any case they did then surely you'd be able to appeal it and win it back.

spiritual1_2

sutton111 wrote: »

They declined me. Boll*cks!

Thank you for you application.
We regret to advise you that after careful consideration , Sygma Bank UK is unable to offer you an account at this time. However, we believe in doing everything we can to help our customers, and would like to introduce you to Vanquis Bank to see if they can offer you an alternative. Vanquis Bank has different acceptance criteria so they may be able to offer you a credit card where we have been unable to.

I knew they would.

they delined me aswell feels great doesnt it? i like how they recommend me to vanquis when im ALREADY a vanquis and sygma customer :rotfl::rotfl:

sutton111

spiritual1 wrote: »

they delined me aswell feels great doesnt it? i like how they recommend me to vanquis when im ALREADY a vanquis and sygma customer :rotfl::rotfl:

lol :rotfl:

I tried Vanquis again and they told me to do one. And it was an automated decision too. lol

spiritual1_2

sutton111 wrote: »

lol :rotfl:

I tried Vanquis again and they told me to do one. And it was an automated decision too. lol

u cant have more than one vanquis or could u not get a vanquis? if so u could be in a bad way as they accept ANYONE

:rotfl::rotfl::rotfl:

sutton111

spiritual1 wrote: »

u cant have more than one vanquis or could u not get a vanquis? if so u could be in a bad way as they accept ANYONE

:rotfl::rotfl::rotfl:

Could never get Vanquis. :rotfl:Oi don't be cruel!! :rotfl:

I have a Silvercard and a Capital One but Vanquis seem to have this vendetta against me!! :rotfl::rotfl:

spiritual1_2

sutton111 wrote: »

Could never get Vanquis. :rotfl:Oi don't be cruel!! :rotfl:

I have a Silvercard and a Capital One but Vanquis seem to have this vendetta against me!! :rotfl::rotfl:

thats so weird, whats always made me laugh with vanquis is apparently there owned by provident and i ended up defaulting for 2 grand with provident years ago, nice to see theyve given me a vanquis though