The Sub Prime Credit Thread - Part IV

wizzywig27

never-in-doubt wrote: »

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

I am, not applied for anything in 2-3 months, so just had the impulse lol

log into what? Now I am confused lol

never-in-doubt

wizzywig27 wrote: »

I am, not applied for anything in 2-3 months, so just had the impulse lol

log into what? Now I am confused lol

HBOS online banking! The new account will be there, with application decision link next to it.... you do have online banking dont you? and applied through the online service?

wizzywig27

never-in-doubt wrote: »

HBOS online banking! The new account will be there, with application decision link next to it.... you do have online banking dont you? and applied through the online service?

No, I didnt log in, I just went through the normal channels? I dont even know my onlinebanking log in

cifpower

When you apply with Halifax for the first time you are registered for online banking and they will send you out a username and temporary password in a few days. When you log in for the first time you will be asked to change your password and set up a few security questions.

wizzywig27

will they link it to my Easycash account?

never-in-doubt

cifpower wrote: »

When you apply with Halifax for the first time you are registered for online banking and they will send you out a username and temporary password in a few days. When you log in for the first time you will be asked to change your password and set up a few security questions.

I assumed he already used online as he has easycash! lol

wizzywig27

never-in-doubt wrote: »

I assumed he already used online as he has easycash! lol

I do I do, but didnt log in before applying

euronorris

Hi NID!

Just had a nose of this friend and thought of a friend of mine. Her credit rating was destroyed years ago, thanks to an ex running up debts in her name.

She's since cleared them (God, it must be well over 6 years ago now) but, when she has tried to obtain a CC, they have requested that she give them 200 or 300 GBP first. To act as a deposit, I guess.

Anyway, she didn't bother. But, I'm just wondering, was she applying for the wrong type of credit card?

I know her and her (new)OH would love to get a mortgage at some point in the next 2-3 years, and so it would be great if I could point her in the right direction for building up her credit again.

Am I right in thinking that is what sub prime credit can be used for?

never-in-doubt

euronorris wrote: »

Hi NID!

Just had a nose of this friend and thought of a friend of mine. Her credit rating was destroyed years ago, thanks to an ex running up debts in her name.

She's since cleared them (God, it must be well over 6 years ago now) but, when she has tried to obtain a CC, they have requested that she give them 200 or 300 GBP first. To act as a deposit, I guess.

Anyway, she didn't bother. But, I'm just wondering, was she applying for the wrong type of credit card?

I know her and her (new)OH would love to get a mortgage at some point in the next 2-3 years, and so it would be great if I could point her in the right direction for building up her credit again.

Am I right in thinking that is what sub prime credit can be used for?

Mate you never pay a deposit for a CC - is this a UK or Dutch bank? I am commenting on UK banks only.... which lender, if you dont mind saying?

But suffice to say, you should suggest sub prime cards like barclaycard, aqua, vanquis etc...

never-in-doubt

wizzywig27 wrote: »

I do I do, but didnt log in before applying

LOL - you are making hard work of this and my brain!

Right, when you just applied did it ask for current bank details and you gave your easycash details? If so, log into internet banking for the easycash account and the new account should be linked and be on your 'my accounts' page!