The Sub Prime Credit Thread - Part IV

Its-A-New-Age-Thing

kerryberryboo wrote: »

How does that happen?

dont know on a fun note just called CAPITAL ONE bout my progression card

so im o the phone and im like yeah well has it been sent out yet and hes like

ooooooooo we can see weve taken reciept of ure signed credit agreement, but emmm we HAVENT AS YET set ANYTHIN up

to which i replied oh thats handy

so he then says but its ok we will do it just now

so i went yeah ok and whats my limit?

so he says oooooooo its still on a provisional its £300 to which i replied oh THATS NOT VERY USEFUL IS IT i mean IVE SENT U IN ORIGINAL BANK STATEMENTS clearly showing im paid ALMOST DOUBLE THAT WEEKLY(net)

so he says yeah so i just went its ok pal theres no rush to send me that one out since im paid NEARLY DOUBLE my limit weekly

HONESTLY that cap 1 bunch sound ABSOLUTELY USELESS

:A

Its-A-New-Age-Thing

brians_daughter wrote: »

Afternoon folks!
Just a quick Q.. re cap1 progress card... I have been talking about this with a mate and, on reflection I reckon i have given her duff info....

I know with the progress card they reduce your APR on months 5, 11 and 17..But do they also automatically assess you for credit limit increases then too?

I told her they did, but thinking about it i dont think they do....I dunno where i made that up from if they dont lol.......

She is/was gonna apply but said i would ask 1st!

as far as i know its only guaranteed on ure FOURTH statement

usedandabused

ElkyElky wrote: »

Provident.

cheers :beer:

brians_daughter

Its-A-New-Age-Thing wrote: »

as far as i know its only guaranteed on ure FOURTH statement

Isnt that just for the 'classic' tho?

usedandabused

Its-A-New-Age-Thing wrote: »

dont know on a fun note just called CAPITAL ONE bout my progression card

so im o the phone and im like yeah well has it been sent out yet and hes like

ooooooooo we can see weve taken reciept of ure signed credit agreement, but emmm we HAVENT AS YET set ANYTHIN up

to which i replied oh thats handy

so he then says but its ok we will do it just now

so i went yeah ok and whats my limit?

so he says oooooooo its still on a provisional its £300 to which i replied oh THATS NOT VERY USEFUL IS IT i mean IVE SENT U IN ORIGINAL BANK STATEMENTS clearly showing im paid ALMOST DOUBLE THAT WEEKLY(net)

so he says yeah so i just went its ok pal theres no rush to send me that one out since im paid NEARLY DOUBLE my limit weekly

HONESTLY that cap 1 bunch sound ABSOLUTELY USELESS

:A

wait until your fourth statement you may get a massive increase, or in some case NOT :rotfl:

oh well they serve their purpose I suppose :cool:

brians_daughter

Its-A-New-Age-Thing wrote: »

REGARDING aqua got a big surprise from them today my OPENING LIMIT on my card is £800 QUITE SURPRISED £200 more than there estimated

im not complainin though

:A

Di they initally tell you it was £600? then when you got the card it states £800? Just wondering where the 'estimated' amount comes from?

Only so nosey as i am expecting mine soon lol

Its-A-New-Age-Thing

brians_daughter wrote: »

Isnt that just for the 'classic' tho?[/QUOTE

NOPE as i have the PROGRESSION CARD and on my WELCOME LETTER it DETAILS my interest rates will FALL on month such and such and they will also give me a LIMIT INCREASE on my FOURTH statement PROVIDED I USE IT

:A

Its-A-New-Age-Thing

brians_daughter wrote: »

Di they initally tell you it was £600? then when you got the card it states £800? Just wondering where the 'estimated' amount comes from?

Only so nosey as i am expecting mine soon lol

no i applied online and on the congratulatioons box it said my ESTIMATED LIMIT was £600

and now my account has been FULLY SET UP its actually £800

brians_daughter

Its-A-New-Age-Thing wrote: »

brians_daughter wrote: »

Isnt that just for the 'classic' tho?[/QUOTE

NOPE as i have the PROGRESSION CARD and on my WELCOME LETTER it DETAILS my interest rates will FALL on month such and such and they will also give me a LIMIT INCREASE on my FOURTH statement PROVIDED I USE IT

:A

Ahhhh see i knew i hadnt made it up! it just doesnt mention it on the website (or i am having a really blonde day) I think my 4th statement is due in next week or so so i will see, just didnt wanna think id given crap info out to a mate

brians_daughter

Its-A-New-Age-Thing wrote: »

no i applied online and on the congratulatioons box it said my ESTIMATED LIMIT was £600

and now my account has been FULLY SET UP its actually £800

ahhh, i got a 'we will contact you in blah blah blah' so i rang to 'check on my application' and was told my limit then, just thought they may be being extra nice to folks giving them a few hundred more than they said