The Sub Prime Credit Thread - Part IV

noah271007

Has anyone read my new thread....Near Prime Credit Cards??

BugsyBrowne

NID i got accepted for flybe now have my card ,applied for is it myworld card from sygma and they turned me down night b4 last..

Its-A-New-Age-Thing

noah271007 wrote: »

Has anyone read my new thread....Near Prime Credit Cards??

no mate ill check it later when im skivin at work lol

im loggin off now anyway need to get organised

catch you later NID

:beer:

never-in-doubt

noah271007 wrote: »

Has anyone read my new thread....Near Prime Credit Cards??

So that'll be sub prime credit card then? You only get sub or prime mate lol

sub prime are listed on page 1 here, the reast are 'prime' :rotfl: :rotfl:

BugsyBrowne

Its-A-New-Age-Thing wrote: »

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.......

dont mean it like that mate just saying it seem strange that a 31year old cant have a debit card from his own bank,so yeah if your bank wont give you one then yes well done for getting a debit card from another bank..when i first wrote on the thread thought you were just applying for bank accounts everywhere,,apolagise my mistake

noah271007

never-in-doubt wrote: »

So that'll be sub prime credit card then? You only get sub or prime mate lol

sub prime are listed on page 1 here, the reast are 'prime' :rotfl: :rotfl:

Yes true but speaking from experience, it seems some credit cards are near prime....in other words, any adverse more than 3 years will be ignored. Of course we have no way of knowing ...the clue to find among the forums and figure out which is the easiest prime cards to get.

usedandabused

never-in-doubt wrote: »

So that'll be sub prime credit card then? You only get sub or prime mate lol

sub prime are listed on page 1 here, the reast are 'prime' :rotfl: :rotfl:

hehe that is so true :T;):cool:

maybe he means the the ones that have a default but it is in the last year?:p

usedandabused

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:

if you don't mind me asking, why did you find it difficult to get certain things then?

was that because they wrongly CIFAS-ed you?

never-in-doubt

usedandabused wrote: »

if you don't mind me asking, why did you find it difficult to get certain things then?

was that because they wrongly CIFAS-ed you?

ID Theft mate, this time 18 months ago I had over 50 defaults and god knows how many CIFAS - plus 500+ searches.....

I took the CRA's to court (won before it got that far) and they deleted everything. But a couple slipped through due to my own silliness, applying and lying. They dropped off last week. :T

I do not need credit and certainly do not need CRA's - lol, never used credit before and to be fair, of my 3 cards i've probably spent £2k on a holiday and repaid it - otherwise I always use my debit card.

Basically, i'm just anti banks :mad: :mad:

Bear in mind I did get 3 bank accounts and 3 prime cards all within the last year..... My appeal though, does take 30+ pages to prove myself haha :rotfl:

never-in-doubt

usedandabused wrote: »

hehe that is so true :T;):cool:

maybe he means the the ones that have a default but it is in the last year?:p

Ahh - I see,

I explained this in the past....

Pretty much all lender will search for 3 years adverse (as standard) and if this comes back clean they that will complete that element of scoring, if anything shows up (adverse only) then they will follow up with a full 6 year search.

This process is nothing to do with indivdual products such as a Post Office vard, but more to do with a banks lending policy, such as Bank of Ireland.

Make sense?