The Sub Prime Credit Thread - Part IV

Its-A-New-Age-Thing

sutton111 wrote: »

lol

That happened to me too but i also received my pin!! :rotfl:

YEAH sutton i couldnt belive it talk about CHRONIC TIMIN, i was gonna try and call up and appeal but i dont fancy my chances as ive opened up a new nationwide since then, got rejected for a tesco cc, and then feelin confident bout my acceptence for my nationwide thought HEY why not try rbs see if i can get a current account with them aswell ACCEPTED lol....... which i thought was weird as tescos had just knocked me back for a cc.......then it comes up at the end of it dear mr such an such as uve been successful in ure current account application........why not try for one of our credit cards aswell............AT THIS POINT im thinkin mmmmmmmmmmmmmmmm theses systems must be screwed or i must be on a good thing here as ive just bagged a current...........so thought yeaaaaahhh OK gimme one of them..............

DECLINED :rotfl::rotfl::rotfl:

soul619

anyone have the link for the sygma cards please?

noah271007

star-fire wrote: »

Yeah see what you mean,what i am saying is most of us who have been accepted for sygma cards,will be told by the big prime cards like AMEX,MBNA etc after careful consideration sorry but you dont meet are criteria.

Perhaps thats cos they used full 6 years credit search - besides getting MBNA or AMEX is difficult anyway because of higher credit score ie 25K-30K in order to get one. Its-A-New-Age-Thing got Nationwide full account - one of the hardest to get in UK....even though he got an old default...

BugsyBrowne

Just phoned up creations about my £1000 limit she said after 3 months it will go up £300,then 4 months after that it will £450..so basically she said every 4 months get increase.

noah271007

Ive called them yesterday and told them im not happy with 1K limit. He said that after 4 months i can make a credit limit request to 2K

sutton111

soul619 wrote: »

anyone have the link for the sygma cards please?

If you go to the Sygma thread, on the 1st page all the links are there.

doelani

noah271007 wrote: »

It is mostly accepted to those who have an improving credit history....ie no missed payments/adverse data in the past 2-3 years. I don't recall anyone who has a CCJ/bankrupty being accepted?

Hi everyone

Hubby and I both have Silvermastercards with £2k limit each. I have mine about 4 months him about 2 months.

We have between us about 16 defaults all dated May 05 , which is date we entered IVA. We finished IVA in May 2008. I would add that out credit files do not mention anywhere about IVA just defaults and all now paid. We also have other credit cards, mortgage etc

We have both been turned down for Flybe cards in the past and again last week lol We got the " apply for Vanquis" letter yesterday.

It seems as others have said sygma will accept any Tom !!!!!! or Harry lol

doelani

Just to add.......................I'm bored.........so bored :T

Its-A-New-Age-Thing

MMMMMMMMMMMMMM further clarification about FLYBE

RIGHT thats it then peeps FLYBE IS 100% SCORED HIGHER IF NOT HIGHEST OF SYGMA CARDS

soul619

sutton111 wrote: »

If you go to the Sygma thread, on the 1st page all the links are there.

thanks, i called em it was a 5 min call no reference to dpa or sharing info or anything like that?!? refereed to underwriters lol