The Sub Prime Credit Thread - Part IV

BugsyBrowne

Just phoned up sygma and to honest the lady was really nice told her i wanted to cancel as apr was to high,told her about my flybe being a lower rate,and me canceling 2 of there cards in the last week,i asked if that would affect my flybe account she said no it won't,and she said she has had 2 people today cancel there cards as well do to the apr which i did not feel so bad after taht..

mattlfc79

Capital One Classic pin number arrived today! Bring on the day the card arrives!

The long road to prime credit seems shorter now!!!!

Zack1

Yay Aqua have sent me a CCA and say they'll offer me 35.9% (ouch!) Doesn't say what the limit is though. Are they likely to change their mind? I got a studio book too, so I assume I'm accepted for that....

Edit: Yea I turned the order form over, I've got £100 to spend now. At those prices it would probably only get me a hat!!!

Bank of Scotland doesn't include Natpest does it? Natpest is Royal? So I shouldn't get AVU on this?

fairmorn308

good evening

I made a balance transfer to my new barclaycard today

seeya23

Zack1 wrote: »

Yay Aqua have sent me a CCA and say they'll offer me 35.9% (ouch!) Doesn't say what the limit is though. Are they likely to change their mind? I got a studio book too, so I assume I'm accepted for that....

Edit: Yea I turned the order form over, I've got £100 to spend now. At those prices it would probably only get me a hat!!!

Bank of Scotland doesn't include Natpest does it? Natpest is Royal? So I shouldn't get AVU on this?

no they dont have avu the starting limit is £250 or more

Its-A-New-Age-Thing

Zack1 wrote: »

Yay Aqua have sent me a CCA and say they'll offer me 35.9% (ouch!) Doesn't say what the limit is though. Are they likely to change their mind? I got a studio book too, so I assume I'm accepted for that....

Edit: Yea I turned the order form over, I've got £100 to spend now. At those prices it would probably only get me a hat!!!

Bank of Scotland doesn't include Natpest does it? Natpest is Royal? So I shouldn't get AVU on this?

glad to see the studio worked out for you zack whos suggestion was that again?

cant remember........oh i remember it was MINE see told ya lol

oh remember ure aqua rates the best rate available on that card and in aqua terms thats obviously a compliment albeit a 35.9% one lol oh sos mine 35.9%
lol

Its-A-New-Age-Thing

fairmorn308 wrote: »

good evening

I made a balance transfer to my new barclaycard today

pickin up on this barclaycard carry on not been on this 4 a while and without goin through the process of readin umpteen messages, i kinda picked up that if u have one barclaycard 6 months later if u keep it sweet u can get another barclaycard of them via internal scorin as opposed to credit search? can u or anyone else confirm this as its hand to make a note of

thanks

oh on a sub not my cap 1 progression card arrived yesterday 300 limit woopeydoo, the woman on the activation line tried to sell me everythin to which i firmly declined stating that with such a MASSIVE limit as that i certainly wouldnt be needin any employment cover to cover my max possible debt of 300.............i did cheerfully add though when they increase it to something SENSIBLE ill take it out untill them all the card will be used for is a £7.99 experian debit as with that kinda limit its no use for anythin else lol

Zack1

seeya23 wrote: »

no they dont have avu the starting limit is £250 or more

Haha quaity! I send the form back tomorrow £250 would be nice

Its-A-New-Age-Thing wrote: »

glad to see the studio worked out for you zack whos suggestion was that again?

cant remember........oh i remember it was MINE see told ya lol

oh remember ure aqua rates the best rate available on that card and in aqua terms thats obviously a compliment albeit a 35.9% one lol oh sos mine 35.9%
lol

Haha, can I have online access though? through their website? Like HSD? If I can I more likely to pick something if I see a bargain (few and far between.....). 35.9% is the best aqua offer!?!??!! WOW!! Oh and I'm kinda drunk.... i left laptop on before I wnt out, on MSE, so thought I'd reply

BugsyBrowne

Its-A-New-Age-Thing wrote: »

pickin up on this barclaycard carry on not been on this 4 a while and without goin through the process of readin umpteen messages, i kinda picked up that if u have one barclaycard 6 months later if u keep it sweet u can get another barclaycard of them via internal scorin as opposed to credit search? can u or anyone else confirm this as its hand to make a note of

thanks

oh on a sub not my cap 1 progression card arrived yesterday 300 limit woopeydoo, the woman on the activation line tried to sell me everythin to which i firmly declined stating that with such a MASSIVE limit as that i certainly wouldnt be needin any employment cover to cover my max possible debt of 300.............i did cheerfully add though when they increase it to something SENSIBLE ill take it out untill them all the card will be used for is a £7.99 experian debit as with that kinda limit its no use for anythin else lol

i phoned barclaycard yesterday and asked them about the internal scoring after 6 month period,about getting another card without credit scoring.
He said they do an internal check but said they also have to do a credit check as well..
Which think about it they aint just going to give you another card just because you have payed them on time for 6 months..if anyone gets bored today phone barclaycard up and they will confirm this to you..

Cash_Flow

star-fire wrote: »

i phoned barclaycard yesterday and asked them about the internal scoring after 6 month period,about getting another card without credit scoring.
He said they do an internal check but said they also have to do a credit check as well..
Which think about it they aint just going to give you another card just because you have payed them on time for 6 months..if anyone gets bored today phone barclaycard up and they will confirm this to you..[/QUOTE]

If they decide to offer someone a credit card after six months without a credit search it's because they are fed a monthly data feed from the CRA and they also know what color socks you are wearing.

Some people have on this forum have applied for a 2nd card with Barclaycard and have been approved without a credit search

One person who springs to mind is Stephane.

Do you really think front line C/S know the process inside out:rotfl: