The Sub Prime Credit Thread - Part IV

Its-A-New-Age-Thing

never-in-doubt wrote: »

Was it instant decline? Have you applied for any RBS cards in the last 3 months?

yeah instant not so much as a by your leave..........thats it im shoppin in asda from now on lol

havent made ANY rbs apps for years and years.....

:beer:

noah271007

never-in-doubt wrote: »

If your credit file has any blips avoid - they won't give you an account....

ANY BLIPS? One late payment bad news????:eek: I know AMEX are strict, but i do feel some people get AMEX because it reflect on their credit status and it makes them feel good and superior to others. Its all marketing and crap.

Its-A-New-Age-Thing

a think VANQUIS should become the NEW AMEX coz thats one cool card to have......
its blue and its got a silver hologram classy as hell............

ElkyElky

never-in-doubt wrote: »

If it is in the same banking period then there will be no record of it, as explained above mate

Good good. I'm trying to sort out the situation with my money today before I miss more payments. :mad:

BugsyBrowne

AMEX is like the hugo boss of credit cards..VANQUIS is like hi-tec silver shadow of credit cards..

Its-A-New-Age-Thing

star-fire wrote: »

AMEX is like the hugo boss of credit cards..VANQUIS is like hi-tec silver shadow of credit cards..

nahh its definetely reebok......

:rotfl:

cosmic_girl

Originally Posted by ElkyElky
Ugh. I went overdrawn by £18 on my HSBC account but they haven't put on any charges. Quickly cleared so I hope it won't affect anything.

I checked my online banking the other day to find I had a late payment charge on my credit card (first one ever!!!!). Turns out I had been a bit eager and made my last payment (quite a large one) a day before my latest statement was generated so it went onto my last statement period .

Anyways phoned Lloyds and they were gr8, refunded charge and said that it won't affect me at all. They said BS is still fine and wont be affected as charge has been reversed and nothing adverse will be shown on file .... phew!!!! Note to self, pay more attention from now on

Hopefully HSBC will be the same with you x

noah271007

star-fire wrote: »

Can someone explain to me how nationwide is one of the hardest current accounts to have,surely if your credit report is good you can get any bank you want..

No No it doesn't quite work like that. They are extremely careful on who to accept. If you have a couple late payments, but all rest is clean, they will weight that heavily against credit scoring. Also if you want the full account, then you must use it as your main account.

I have a clean credit file apart from 1,2 and 3 late payment markers from 2004. That will drop off sometime in Oct of this year and my credit file will have no adverse whatsover.

First Direct, Coventry, Nationwide, Leeds BS are hard to pass if you have a couple of blips on CF. But someone here got it even with a default (albeit 5 years old) so there is always hope.

never-in-doubt

star-fire wrote: »

AMEX is like the hugo boss of credit cards..VANQUIS is like hi-tec silver shadow of credit cards..

Amex is not mate! Amex is outdated and streamlined - they used to be exclusive but now any tom-d!ck-and-harry can get one (well you know what I mean).....

I'd say that there are better cards out there, such as those that offer better APR's...

Its-A-New-Age-Thing

name that jamaraqui song.............