The Sub Prime Credit Thread - Part IV

Zack1

never-in-doubt wrote: »

HBOS will credit check you Elky - existing customer or not! We all get checked....

How kind of them!!

seeya23

is it easy to get a barclay initial than a flybe card or are they about the same ??? ( nid )
as my wife just got a barclay initial

never-in-doubt

seeya23 wrote: »

is it easy to get a barclay initial than a flybe card or are they about the same ??? ( nid )
as my wife just got a barclay initial

I think sygma (flybe) is easy of your equifax is good, i.e. they will give you a higher limit that initial..... but you're best to try the b'card app checker before applying and see what it says - obviously it uses CallCredit to check that so bear in mind the overall result would be based on Equifax - but so would Sygma so me, i'd go for Sygma cos they can be better with limits and acceptance (so long as no major baddies)....

seeya23

i was asking for the wife has a better Credit file than me she apply for this week for barclays initial and got it and vanqis as well she has no baddies on her file she got turn by down Sygma last year may tell her to wait 6 months what do you think ???

ElkyElky

I got my Tesco credit card through today. Called to activate it and there was no sales speeches what so ever, quite impressed. 5 cards is my lot now until at least June next year, when I'll aim for 10.

seeya23

well done on geting your tesco card

never-in-doubt

seeya23 wrote: »

i was asking for the wife has a better Credit file than me she apply for this week for barclays initial and got it and vanqis as well she has no baddies on her file she got turn by down Sygma last year may tell her to wait 6 months what do you think ???

Mate you only have to wait 6 months between applications so if she got declined by Sygma last year then go for it - no probs..... they can only say no, if they do in 6 months time she will have lots of green [0]'s going for her with the 2 new accounts which will almost guarantee her the Sygma one

You see my logic, right mate?

CocoPopsLover

never-in-doubt wrote: »

Mate you only have to wait 6 months between applications so if she got declined by Sygma last year then go for it - no probs..... they can only say no, if they do in 6 months time she will have lots of green [0]'s going for her with the 2 new accounts which will almost guarantee her the Sygma one

You see my logic, right mate?

NID, still waiting for my reply email

x

seeya23

never-in-doubt wrote: »

e

You see my logic, right mate?

yes i can she going to wait 6 months then apply

never-in-doubt

seeya23 wrote: »

yes i can she going to wait 6 months then apply

aaaw chicken - tell her to go for it! No harm is there, if they say no then she'll wait the same period anyway lol

Bet you a fiver she gets accepted lol (i'll paypal you it if I lose)