The Sub Prime Credit Thread - Part IV

duggie1982

Innocent_Guy wrote: »

These cretins are the people who make the decisions on our credit applications!

http://www.youtube.com/watch?v=jKztQiqS3is

rotfl

Very strange

never-in-doubt

Innocent_Guy wrote: »

All I would like to confirm that HSBC Do offer pre-approvals! This was explained to me today by the branch!

I told you this last year - BUT subject to a CallCredit search followed by Experian if there is anything not adding up or adverse. :D

HSBC pre-approvals (based on internal behaviour score) always search callcredit.

Elky/Innocent - what limits/apr did you get?

My HSBC is 9.9% - apparently the lowest tier (whoop whoop)

ElkyElky

never-in-doubt wrote: »

I told you this last year - BUT subject to a CallCredit search followed by Experian if there is anything not adding up or adverse. :D

HSBC pre-approvals (based on internal behaviour score) always search callcredit.

Elky/Innocent - what limits/apr did you get?

My HSBC is 9.9% - apparently the lowest tier (whoop whoop)

£750 19.9%.

Apparently I'm on the highest tier, yay me. :j

Are they good at reducing the APRs?

never-in-doubt

ElkyElky wrote: »

£750 19.9%.

Apparently I'm on the highest tier, yay me. :j

Are they good at reducing the APRs?

Thats not bad mate - its a start right? I dont know about reducing apr cos i'm still on 0% BT's (til June) and on the lowest apr anyway (9.9) so can't get any better, can it mate? :rotfl:

ElkyElky

never-in-doubt wrote: »

Thats not bad mate - its a start right? I dont know about reducing apr cos i'm still on 0% BT's (til June) and on the lowest apr anyway (9.9) so can't get any better, can it mate? :rotfl:

I'm on 0% till next year but almost bug*ered it up, I almost bought something using the card. I only just remembered I was on interest free before typing my pin. :eek:

I think I was accepted for the Lloyds AMEX card but I don't know for 100% sure yet. :eek:

edinburgher

As expected, Blair, Oliver and Scott have cocked up updating my credit file. To quote from their letter before I made a payment in !!!!!!,

'we have accepted your offer of full and final settlement... Your credt {sic} file will be updated to show as partially satisfied for this account'

Nearly two months later and while the final payment shows up on my Credit Expert account, the status remains as 'default'.

What are my rights re. having them fix it?

Innocent_Guy

never-in-doubt wrote: »

I told you this last year - BUT subject to a CallCredit search followed by Experian if there is anything not adding up or adverse. :D

HSBC pre-approvals (based on internal behaviour score) always search callcredit.

Elky/Innocent - what limits/apr did you get?

My HSBC is 9.9% - apparently the lowest tier (whoop whoop)

When you look on the customer profile page and you have the customer name and address on the top left hand side, on the right there is Customer Identification Number (CIN), Behaviour Score and mobile number.

If you have for example Personal Loan = £15000, Overdraft = £2000 & Credit card = £2000 this is pre-approved with no credit check.

When you look in customer profile where you have the 'Limits' screen these are subject to further checks i.e callcredit search

For example

Account Number: 1234566

...........................Overdraft........... Credit Card............... Personal Loan

System Recommend £1000...............£4000..............Nil
Accepted - .................Nil...............£1500...............Nil

Innocent_Guy

never-in-doubt wrote: »

Thats not bad mate - its a start right? I dont know about reducing apr cos i'm still on 0% BT's (til June) and on the lowest apr anyway (9.9) so can't get any better, can it mate? :rotfl:

BTW my APR is 15.9% and limit is £1000 ( I choose this limit )

Innocent_Guy

ElkyElky wrote: »

I'm on 0% till next year but almost bug*ered it up, I almost bought something using the card. I only just remembered I was on interest free before typing my pin. :eek:

I think I was accepted for the Lloyds AMEX card but I don't know for 100% sure yet. :eek:

I remember you saying that you had a request for ID?

This seems like they have accepted, I would call and ask :beer:

Innocent_Guy

Oh BTW I have also confirmed 100% that branch can override the system decision.

NID has already told everyone about this but I double checked this today anyway when I had my little lesson in the HSBC back office