The Sub Prime Credit Thread - Part IV

Its-A-New-Age-Thing

never-in-doubt wrote: »

Still using RBS systems so quite easy - they check back 2 years (sometimes 3).... they can be easy or hard, remember they do give poxy limits though - as well as good limits... :D

sooooooooooo my 5 year default they wouldnt pick up on it mate ?

never-in-doubt

Its-A-New-Age-Thing wrote: »

sooooooooooo my 5 year default they wouldnt pick up on it mate ?

No, not unless you have anything else that may make it refer - in which case they will check back the full 6 years. If you have a perfect 2 years history with not too many searches and payments on time, then you may find yourself lucky - if not then you must appeal with payslips and bank statement as they do overturn a lot of applications :D

Apply during office hours for automated decision, after 8pm it will be referred....

never-in-doubt

To appeal - see here: BEEN DECLINED - Appeal Letter Template

Its-A-New-Age-Thing

never-in-doubt wrote: »

No, not unless you have anything else that may make it refer - in which case they will check back the full 6 years. If you have a perfect 2 years history with not too many searches and payments on time, then you may find yourself lucky - if not then you must appeal with payslips and bank statement as they do overturn a lot of applications :D

Apply during office hours for automated decision, after 8pm it will be referred....

ohhhhhhhh that sounds great ive balanced transfered my vanquis to my sygma so itll be showin a zero balance soon on my vanquis and ive zeroed my studio catalogue (and requseted it closed)and my sygmas not showin on experian yet IE another£1000 available credit etc

should i wait till all these things update b4 i apply etc or just kinda sod it an do it tommoz between 9-5 etc?

thanks again

:beer:

Innocent_Guy

never-in-doubt wrote: »

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:

Niddy boy you saying I may be bending the truth?
Well when I applied I got the 7-10 days message, I called up and the lady told me that I had been 'provisionally accepted' however she had to look into the application. She put me on hold for about 2 minutes and asked me if I had applied recently as she has an error message showing for 'duplicate application'

I advised her that I applied for the Silvercard recently and was accepted. She popped me on hold and then said I have processed the application to the next stage and we will send you the documents in the post.

I later found out I had a 5k limit and nearly passed out.

never-in-doubt

Innocent_Guy wrote: »

Niddy boy you saying I may be bending the truth?
Well when I applied I got the 7-10 days message, I called up and the lady told me that I had been 'provisionally accepted' however she had to look into the application. She put me on hold for about 2 minutes and asked me if I had applied recently as she has an error message showing for 'duplicate application'

I advised her that I applied for the Silvercard recently and was accepted. She popped me on hold and then said I have processed the application to the next stage and we will send you the documents in the post.

I later found out I had a 5k limit and nearly passed out.

Ahh, so it is half true what she told me then - it was picked up for a duplicate and I reckon had you not rung, they may have declined it - maybe it was human error or luck?

Course I believe you mate, I said that what the hardest part cos your my mates - but you have to admit, it is a strange one mate! However I got accepted with £4,750 - weird eh?

I'm cancelling it though. :eek:

BUT my cifas have now gone :D:D

wizzywig27

Hi all, whats new? Been a while for me. Nothing new for me, oh hold on, I sent back my HTC Desire, and got, wait for it.....an iPhone haha, Orange accepted me again!

never-in-doubt

wizzywig27 wrote: »

Hi all, whats new? Been a while for me. Nothing new for me, oh hold on, I sent back my HTC Desire, and got, wait for it.....an iPhone haha, Orange accepted me again!

You bloody hypocrite - after the !!!!!! you gave me :rotfl: :rotfl: :rotfl:

Where is iZools lately? maybe he's pulled

BugsyBrowne

Right someone tell me this when i can start applying again.
Starting a fresh,equifax i have 5 searches SYGAMA FLYBE ,SYGMA MYWORLD,JLP,ULSTER,BOI..All done in march
Experian 6 searches MBNA,TESCO,VIRGIN,COOP,EGG,SAINSBURYS.
All done in feb&march.
Both credit reports have no adverse credit as never defaulted,never late payments,no ccj,all greens,
At the moment i have 2 credit cards FLYBE £1000 OWE 0 CAP1 £1500 OWE £62
Would love to have a really nice card like AMEX b4 christmas,my wages can be quite good at times,when the work is there,,
Since joining this forum most of the time i have talked !!!!!!.
Lived at current address for 2 years which is rented..\
Seriously what chances have i got to get nice prime cards by christmas.
I know i have sygma but to be honest they aint in the same league as AMEX TO NAME A FEW..
Thanks

stephane_2

I would now wait for your file to cool down and think of re-applying around October, which will show a good 8 months without any searches.