The Sub Prime Credit Thread - Part IV

kilasuit

noah271007 wrote: »

Spoke to the HSBC customer relations dept earlier today and the guy said that once the disputed credit search recorded on experian credit file has been removed (after next Experian CAIS update, i am free to apply again....without the 6 months rule between HSBC credit card applications.

Strange really.

Even still i'd say to wait till the 6 month period has been and gone just because that person wouldnt be able to 100% confirm that their internal system wouldnt just generate an auto decline.

noah271007

kilasuit wrote: »

Even still i'd say to wait till the 6 month period has been and gone just because that person wouldnt be able to 100% confirm that their internal system wouldnt just generate an auto decline.

I did ask the guy 3 times to confirm it and he said yes. But on the safe side, i will wait out 6 months.

noah271007

Elky, and anyone who is a holder of Lloyds TSB credit cards....

http://www.dailymail.co.uk/money/article-1267830/Lloyds-TSB-credit-card-holders-face-huge-hike.html

cosmic_girl

noah271007 wrote: »

Elky, and anyone who is a holder of Lloyds TSB credit cards....

http://www.dailymail.co.uk/money/article-1267830/Lloyds-TSB-credit-card-holders-face-huge-hike.html

Well I've not received notifcation about this like they have stated in the report. No matter, never use cash withdrawals and pay off balances pretty quickly anyways so hopefully all is still well, lol!

CannyJock

noah271007 wrote: »

Elky, and anyone who is a holder of Lloyds TSB credit cards....

http://www.dailymail.co.uk/money/article-1267830/Lloyds-TSB-credit-card-holders-face-huge-hike.html

Basically brings their card in line with most others - losing interest free period on new purchases if you don't clear your card in full is pretty much standard.

The massive £0.50 hike from £2.50 to £3.00 isn't anything to lose sleep over - and technically because they will no longer charge interest on fees and charges, and the allocation of payments is being reversed, people who don't clear their balances in full and have cash advances will actually pay less interest, not more as the article wrongly states.

Still, fills a bit of column inches for the mail I suppose

Had an Amex Duo since it was launched, not had anything from LTSB about any changes to terms, no doubt will get something nearer the time.

fairmorn308

afternoon all

My silvercard arrived today APR is a bit high but am not complaining as its lower than my capital one card so slightly better

BugsyBrowne

I cancelled my sygma DAYS card last week got home today and they have sent me the card..
Phoned them up and told them i cancelled it so they said get your scissors on the card and cut it up so i have..
fairmorn barclaycard gave you 19.9%,what did silver mastercard give you if its 24.9% get rid of it,remember you just got a barclaycard give it 6 months and other prime lenders will give you a lot better apr than 24.9% its not that long to wait..thats if you have the 24.9% apr

seeya23

vanquis told my wife by txt they have put up her limit to £1000 from £500

Its-A-New-Age-Thing

seeya23 wrote: »

vanquis told my wife by txt they have put up her limit to £1000 from £500

hi was that on her 4th statement by any chance? as my statements updated today so hopin for an increase tommorow etc,

thanks

oh and on a totally different side note just won a great little AMIGA 600 package on ebay soooooooo chuffed

fairmorn308

I bought a engagement ring today