The Sub Prime Credit Thread - Part IV

Its-A-New-Age-Thing

never-in-doubt wrote: »

haha - cheeky fcukker! :rotfl: :rotfl:

Nah, my cifas went at the end of March so that helps me now - I declined their offer, told them i'd rather not bother with such a silly APR and they said once card arrives, to send it back using cancellation form attached.

That's what i'll be doing! My worst card is HSBC at 11.9% so not taking out this when it is 8% dearer almost! :eek: :eek:

nahh thats excellent NID, im pleased for you i hopin for those kinda limits next july when my last credit file nasty is gone for good, what about innocent with his 5k and a ONE MONTH LATER APPLICATION

never-in-doubt

star-fire wrote: »

nice limit nid bet your well happy

Nah - its crap mate! see the rate of interest! Remember i'm not sub prime in any way or fashion so its a bloody insult to me :mad: :mad:

I should have read the APR's I s'pose, but I never :rotfl:

noah271007 wrote: »

Apparently the silver card mastercard has a maximum of £5K credit limit - whereas Flybe CC is £20K.

Ahh cheers, not too bad then I s'pose.... but won't be using it... anyway, what happens after 3 months at increase time, if you're already at the top of the limit structure? :eek:

Unless the limit is for new accounts....

Its-A-New-Age-Thing

noah271007 wrote: »

Apparently the silver card mastercard has a maximum of £5K credit limit - whereas Flybe CC is £20K. Can't believe you not going to keep it. Just pay in full mate, 19.9% isn't bad; certainly in the economic climate!

ive posted flybes card CHEAP CALL number if uve got the card mate be worth storin it its a few pages back

:beer:

PROLIANT

kerryberryboo wrote: »

That was actually very harsh - I'm going to be honest, I'm taking all the offence that was posted with!! :eek::eek:

I have two jobs, not that it is any of your concern.

Apply for some manners, might be beneficial to you.

Oh come on Kerry, I was only jesting!
What happend to the sense of humour on this thread?

noah271007

Its-A-New-Age-Thing wrote: »

ive posted flybes card CHEAP CALL number if uve got the card mate be worth storin it its a few pages back

:beer:

Cheers mate, I will put a note for that!!:beer::T

PROLIANT

never-in-doubt wrote: »

Nah - its crap mate! see the rate of interest! Remember i'm not sub prime in any way or fashion so its a bloody insult to me :mad: :mad:

I should have read the APR's I s'pose, but I never :rotfl:



Ahh cheers, not too bad then I s'pose.... but won't be using it... anyway, what happens after 3 months at increase time, if you're already at the top of the limit structure? :eek:

Unless the limit is for new accounts....

Well done on the Silver Card.

never-in-doubt

Its-A-New-Age-Thing wrote: »

nahh thats excellent NID, im pleased for you i hopin for those kinda limits next july when my last credit file nasty is gone for good, what about innocent with his 5k and a ONE MONTH LATER APPLICATION

I still wanna see these people post their acceptance letter and cards cos i'm not convinced - and these are my mates as well, but hey - when something so strange happens you need proof then we all start to believe..... I spoke to them myself an hour back and they told me again you cannot apply for more than one card in any 90 day period or it will be declined.

I then said that was bollox cos some of my mates on MSE are confirming they have been accepted a month after a previous application and she laughed and sai "have you met them and seen their cards" to which I gathered what she was saying....

So here I am, my plan was to wait a month then do the same and apply to Flybe but now i'm not so sure.... maybe it was a system glitch, I dunno but with crap APR's like that they can shove it (plus I don't have anything to transfer over to the card to benefit a whopping 6 months 0% on BT's) :rotfl: :rotfl:

BugsyBrowne

yeah but nid 19.9% is still very good,you think santander is 18.9% my mates mbna has just gone to 24.9%,barclaycard gold is 19.9% as well

Its-A-New-Age-Thing

star-fire wrote: »

agree but if you look after your bank account and your wages are going in every week or month,then they will upgrade you from your high school cash card!!

its not a high school cash card im 31 my 12 year old daughter has one though so that comment would probably be relevent to HER

ure problem is you cant be happy for ANYONE on this thread and need to make somekinda JIBE at what everyone else considers good news.......

noah271007

never-in-doubt wrote: »

I should have read the APR's I s'pose, but I never :rotfl:



Ahh cheers, not too bad then I s'pose.... but won't be using it... anyway, what happens after 3 months at increase time, if you're already at the top of the limit structure? :eek:

Unless the limit is for new accounts....

I guess it just go to £5K and thats it! It is still a very respectable limit mate! Yeah APR is a bit high considering but nevertheless it is decent and you know it NID. What a waste really as many of us would grab that!