The Sub Prime Credit Thread - Part IV

BugsyBrowne

plumber2009 wrote: »

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%.

Yes mate think it the best option to close vanquis down once the card has done its job..plumber why dont you try sygma

soul619

i have just called up sygma and been told over the phone i have been excepted... yay me however they cant tell me my credit limit or apr?!? hmmm...

call me synical but i will only believe i 'have' been excepted when the cards in my hand!

Innocent_Guy

star-fire wrote: »

think i will phone them,think i am pushing my luck now after being accepted for flybe&barclaycard in the last month..

Well when I applied I got the 7-10 days message, I called up and the lady told me that I had been 'provisionally accepted' however she had to look into the application. She put me on hold for about 2 minutes and asked me if I had applied recently as she has an error message showing for 'duplicate application'

I advised her that I applied for the Silvercard recently and was accepted. She popped me on hold and then said I have processed the application to the next stage and we will send you the documents in the post.

plumber2009

star-fire wrote: »

Yes mate think it the best option to close vanquis down once the card has done its job..plumber why dont you try sygma

I applied last month and was turned down. I applied for silver card.

BugsyBrowne

:beer:Well happy just been told my sygma card has been approved that is 2 sygma cards in the last month..:T

Innocent_Guy

star-fire wrote: »

:beer:Well happy just been told my sygma card has been approved that is 2 sygma cards in the last month..:T

Well done, what credit limit & APR?

Did you apply for the DAYS?

fairmorn308

noah271007 wrote: »

Did you previously defaulted with RBS? Funnily enough i just had a letter today from HSBC... (im working from home) saying the main reason why i was declined for HSBC credit card was because of my previous conduct with my student HSBC credit card (it was closed in 2005). I am confused by this reason because i have never missed any payments on the previous credit card account. Perhaps it is related to the managed loan?

I am writing an appeal letter and hopefully they can overide that in the system.

yes i defualted with them but the defualt is now gone etc and its been over 8yrs since that anyway.

Just need to provide credit file and everything should be good

IN_DEBT_4EVA

Innocent_Guy wrote: »

Well when I applied I got the 7-10 days message, I called up and the lady told me that I had been 'provisionally accepted' however she had to look into the application. She put me on hold for about 2 minutes and asked me if I had applied recently as she has an error message showing for 'duplicate application'

I advised her that I applied for the Silvercard recently and was accepted. She popped me on hold and then said I have processed the application to the next stage and we will send you the documents in the post.

We have recently started to allow multiple accounts to existing customers. You need to wait until the account is fully running, ideally after your first statement has been generated, and you may be accepted for an additional card. This is a 2010 initiative, previously you had to wait 3 months between applications (existing customers) or 6 months (declined applicants/non customers).

Declined applicants must always wait 6 months or they will be sys declined.

BugsyBrowne

Innocent_Guy wrote: »

Well done, what credit limit & APR?

Did you apply for the DAYS?

Yes mate days mastercard phoned up went through security with her..she said i have been approved and card will be with you shortly..so excited i just said ok then i will wait for the card.
Not sure about what apr i will get i done the same with flybe waited for the card and letter to see what apr they have gave me..flybe i got £1000 19.9% not sure on this one.

fairmorn308

IN_DEBT_4EVA wrote: »

We have recently started to allow multiple accounts to existing customers. You need to wait until the account is fully running, ideally after your first statement has been generated, and you may be accepted for an additional card. This is a 2010 initiative, previously you had to wait 3 months between applications (existing customers) or 6 months (declined applicants/non customers).

Declined applicants must always wait 6 months or they will be sys declined.

I have a flybe card already which has for around 18 months and just applied for a silver card but have 2 missed payments in last 12 months on my credit file but everything to date is all paid and no CCJs or defualts, Only a few searches on my file. But not on electoral roll due to change of address. awaiting for it to be updated.

What you think my chances are from what i have told ya?