The Sub Prime Credit Thread - Part IV

cifpower

With Halifax you need to deposit £100 for the card to be issued. If you applied over the phone they would tell you if you would get an overdraft and what limit.

usedandabused

never-in-doubt wrote: »

HBOS want £100 to release the card and chequebook - you can pay it and and then withdraw it 2 minutes later, it is needed to activate the account which releases the card etc

As for overdraft, ask in branch when you go in cos they can override the system for you - shhh, don't them I told you that!

oh i didn't know that, is that the same with Nationwide? i mean the building society people in general?

usedandabused

BTW

NIDDY

please answer this are credit card cheques illegal?

http://forums.moneysavingexpert.com/showthread.html?t=2394489

edinburgher

They aren't, it's already been answered

never-in-doubt

edinburgher wrote: »

They aren't, it's already been answered

I concur - they are not illegal (as not criminal law) but they will be frowned upon by the banks regulatory body (FSA/FOS/OFT etc)

noah271007

I just noticed HSBC has made an enquiry on Experian credit file....is this a hard search or a soft search not viewed by lenders?

never-in-doubt

what does it say? Is it under credit searches or unrecorded enquiries? lol

Zack1

Natpest won't give credit card cheques to Student account holders....shock horror!!

And I'm assuming the Littlewoods Spend over 100 quid and pay nothing until April 2011 is credit scored? It just says enter a certain code at checkout.... was tempted to bump my order up.....

noah271007

never-in-doubt wrote: »

what does it say? Is it under credit searches or unrecorded enquiries? lol

It doesn't say....not with Experian.

It just have a list of searches in order like this

Entry number P1

Entry number P2

Entry number P3


Application type: Enquiry

I guess that is a hard search? I spoke to Experian and they said it is a search type seen by lenders.

If this is true, i will have to write another letter to get that removed as well. I think it comes from the account review i requested on my account. The person who did the account review did not tell me if they are going to conduct a hard credit search.

Its-A-New-Age-Thing

Zack1 wrote: »

Natpest won't give credit card cheques to Student account holders....shock horror!!

And I'm assuming the Littlewoods Spend over 100 quid and pay nothing until April 2011 is credit scored? It just says enter a certain code at checkout.... was tempted to bump my order up.....

yeah if u place an order there credit checking u for an account they use EQUIFAX by the way for the search, if u get an account make sure to visit codes.co.uk for 15-20 percent discount codes of ure orders



also if u get 1 account with littlewoods they will give u one with every other catalogue in the shop direct group ie kay choice great universal marshall ward very and additions.........