The Sub Prime Credit Thread - Part IV

plumber2009

paulmcerlean wrote: »

Hmmm - in the past there have been occasions where a shy phone advisor sees declined on the screen and is too embarrassed to say.

She did seem genuine when she said there was nothing on screen and she was looking on the website for more information.
She did seem to not know what to do in order to find out about my application.

I dont know wether i got through to the right department/adviser.

Does anyone know what number to call and what call options to follow.

misscutiepie1984

apparently I need to wait 7-10 working days before I will find out if I can get a capital one card as im still being reviewed

BugsyBrowne

Just done lower my bills on experian and it came up that my criteria matched 26 top cards,
How right and wrong is this..

wizzywig27

misscutiepie1984 wrote: »

apparently I need to wait 7-10 working days before I will find out if I can get a capital one card as im still being reviewed

They always say that, they said it to me after the letter had already been sent, looks like a decline I am afraid

seeya23

star-fire wrote: »

Just done lower my bills on experian and it came up that my criteria matched 26 top cards,
How right and wrong is this..

it.s like there credit score not that good

misscutiepie1984

wizzywig27 wrote: »

They always say that, they said it to me after the letter had already been sent, looks like a decline I am afraid

not sure whether or not I should thank you lol

BugsyBrowne

Just applied for the yorkshire gold credit card and to my amazement it has been referred..:rotfl:

BugsyBrowne

Just phoned sygma days mastercard to find out my limit..
£750 apr 24.9% they wont be getting a signed agreement back off me.
They can keep there card..

duggie1982

Quick question peeps. I have a few (4) defaults from 2004 and one from 2006. I have had green zeros from other accounts since over the last 4 years with no adverse over this time. Do you think HSBC will touch me for a Credit Card?

ElkyElky

duggie1982 wrote: »

Quick question peeps. I have a few (4) defaults from 2004 and one from 2006. I have had green zeros from other accounts since over the last 4 years with no adverse over this time. Do you think HSBC will touch me for a Credit Card?

People say lenders only usually look back at the last 3 years history, but I don't know if that applies to HSBC.

You don't have anything to loose by trying, but somehow I don't think you stand a chance with 4 defaults, unfortunately.