The Sub Prime Credit Thread - Part IV

noah271007

sutton111 wrote: »

LOL

Yeah for being complete noobs! lol

The best scandal has to be Watergate in the US in 1972.

Yes but this is not far off the list with the expenses scandal. It is just disgusting....oh yes the majority of them are at it!!

noah271007

Anyway let's stop politics and get back to the real subject of this thread....SUB PRIME!

plumber2009

brians_daughter wrote: »

I got accepted but card yet to appear...sent my cca off on the 3rd and they only processed it on the 13/4/9 so card should be with me by next weekend.

I rang up the day after I applied as the screen froze at the end of the application, so i wanted to see if they got it or not ie didnt want to apply twice if 1st app had gone through ok and was told all ok with £900 limit

Good luck!!

Did you get the same message or did you not catch it.

Do you have the number to call them.

congrats on getting your card and £900 limit aint a bad start.

plumber2009

ElkyElky wrote: »

Isn't the British government just the best?

As long as its not labour.:D

noah271007

Could anyone answer this question...how far back HSBC check when it comes to credit checks and scoring for their products? I read somewhere its varied from branch to branch from 3 years -6 years?

never-in-doubt

noah271007 wrote: »

Could anyone answer this question...how far back HSBC check when it comes to credit checks and scoring for their products? I read somewhere its varied from branch to branch from 3 years -6 years?

3 years mate but existing customer can amend that to the last 12 months using any behavioural score you may have built up, if you're still new to HSBC and do not have a B/S (i.e. within 6 months) then you'll be fully scored for the previous 3 years.

A 5 year old default may not affect you with HSBC, a 2 year one will result in decline (usually)

Notice my mate from Sygma decided to prove me right? Regards to: #7114

Nothing wrong with being wrong (its a new age thingy) - its how he handled it that p!ssed me off, being perfectly honest. Ive forgotten more about Sygma than the guy has ever learned and that is what was frustrating - calling me wrong, the cheek!!. :rotfl:

CHANGEyourMP

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.

Naughty Niddy, pretending to be a SYGMA employee now!:shocked:

I wish you had more work to do in your security hut!

Declined applicants must always wait 6 months or they will be sys declined.[/QUOTE]:whistle:

There is no such thing Niddy, how do I know:think:, because both myself and OH applied in JAN for SYGMA products, both declined:mad:, then applied for another SYGMA product in MARCH, both accepted:j, NO SO CALLED SYS DECLINE, also following more posters getting other SYGMA products, OH re-applied for SYGMA product that was declined in JAN and has been REFFERED:), again no so called SYS DECLINE!

never-in-doubt

CHANGEyourMP wrote: »

Naughty Niddy, pretending to be a SYGMA employee now!:shocked:

:rotfl::rotfl::rotfl:

I'd never lower myself and pretend to work for such cretins, nothing proud in my opinion, about working for a bank so i'll take your compliment and return it - thanks.

Why are you telling me about declines? I never wrote it!

CHANGEyourMP

never-in-doubt wrote: »

do not reapply to sygma if you were declined in jan/feb until at least 6 months have passed..... You'll jsut get auto declined for breach of policy (credit score decline)...

:a:a:a:a:a

CHANGEyourMP

never-in-doubt wrote: »

:rotfl::rotfl::rotfl:

I'd never lower myself and pretend to work for such cretins, nothing proud in my opinion, about working for a bank so i'll take your compliment and return it - thanks.

Why are you telling me about declines? I never wrote it!

Just in case, you start removing posts again!;)