The Sub Prime Credit Thread - Part IV

plumber2009

Just applied for AQUA.

Thank you for your application for an aqua credit card.

Your application will now be processed and we will contact you within the next 10 working days.

Thank you again for your application.


Accept or Decline?

ElkyElky

plumber2009 wrote: »

Just applied for AQUA.

Thank you for your application for an aqua credit card.

Your application will now be processed and we will contact you within the next 10 working days.

Thank you again for your application.


Accept or Decline?

There's no telling which way it'll go. Hopefully it'll be an acceptance.

alfred64

good luck plumber.

BugsyBrowne

alfred64 wrote: »

If you are going to apply for another card, then, sygma, in my opinion, would be your best option.

Alfred i applied yesterday morning for another sygma card but its being referred..

plumber2009

ElkyElky wrote: »

There's no telling which way it'll go. Hopefully it'll be an acceptance.

I hope so to.:)

I wanted to do an application to check to see if my amendments to my credit file have had any effect. But just realised that they also check equifax according to who uses who thread.

alfred64

star-fire wrote: »

Alfred i applied yesterday morning for another sygma card but its being referred..

You may still be o.k.

It will be a nice surprise if in about a weeks time the card drops through your letterbox. Don't apply for any more until you hear, either way.

Good luck with the application.

BugsyBrowne

Just looked at that aqua thats a bloody high apr 35.9% thought vanquis was bad..

plumber2009

star-fire wrote: »

Just looked at that aqua thats a bloody high apr 35.9% thought vanquis was bad..

Its the same as capital one Classic.

Vanquis rates are higher than advertised as they use "Simple Rate" as oppose to Anual Rate.

BugsyBrowne

plumber2009 wrote: »

Its the same as capital one Classic.

Vanquis rates are higher than advertised as they use "Simple Rate" as oppose to Anual Rate.

Yeah my classic is 34.9% i did honestly think aqua were around the 24.9% market,my sygma is 19.9% and my barclaycard is 17.9% but did have vanquis for 2 years which i do know is very high as mine on that was 49.4 i think and always kept up to date on payments..i take it aqua dont put the apr up to stupid amounts like vanquis..

plumber2009

star-fire wrote: »

Yeah my classic is 34.9% i did honestly think aqua were around the 24.9% market,my sygma is 19.9% and my barclaycard is 17.9% but did have vanquis for 2 years which i do know is very high as mine on that was 49.4 i think and always kept up to date on payments..i take it aqua dont put the apr up to stupid amounts like vanquis..

I was hoping to get AQUA and then close my Vanquis card down.

I currently have vanquis, capital one and barclaycard.

I think aqua have put their rate up though because i thought it used to be 29.9%.