The Sub Prime Credit Thread - Part IV

Its-A-New-Age-Thing

fairmorn308 wrote: »

afternoon.

Well i got my letter from Virgin saying i was declined for there credit card worth appealing for guys?

Also got a letter saying my electoral will be changed the end of this month and my previous address will be removed

totally depends on ure credit history, from what ive heard about virgin its one of the most difficult, have u got barclays? if not do there pre app checker thats not a credit serch and itll tell u if ure likely to qualifie

fairmorn308

Hi

Yes i managed to get barclays Gold and Silvercard in the last 10 days

Its-A-New-Age-Thing

fairmorn308 wrote: »

Hi

Yes i managed to get barclays Gold and Silvercard in the last 10 days

what rate did ure silvercard give u ? if its below 24.9% uve scored decently on there system and might be worthwhile waitin a few weeks and gettin another sygma car instead i kinow proliant got his second 6 weeks after his first and innocent got a flybe with a 5k limit bout a month after his sygma silver

fairmorn308

Its-A-New-Age-Thing wrote: »

what rate did ure silvercard give u ? if its below 24.9% uve scored decently on there system and might be worthwhile waitin a few weeks and gettin another sygma car instead i kinow proliant got his second 6 weeks after his first and innocent got a flybe with a 5k limit bout a month after his sygma silver

Hi

Yes that the APR i got, Already have a flybe card with 4k limit, had this card for 18months now

Its-A-New-Age-Thing

ohh well id leave sygma alone for 6 months then then get there my worlld card looks preety cool, if uve any defaults ccjs etc i wouldnt appeal virgin if u dont appeal it and if uve no negative........an bearin i mind if u appeal theyll check the lot ull probably win

fairmorn308

I dont have any CCJs or Defualts. I currently wasnt on the electoral roll at the time of the search but i have a letter stating i will be on the electoral roll and the previous address will be removed.

Its-A-New-Age-Thing

fairmorn308 wrote: »

I dont have any CCJs or Defualts. I currently wasnt on the electoral roll at the time of the search but i have a letter stating i will be on the electoral roll and the previous address will be removed.

be worthwhile appealin though also might be better if ure electoral role and previous are droppin of soon and updatin etc to appeal it just as thats done

fairmorn308

I will attach a copy of the letter i got as my electoral role will be updated in a few days times so that should help my case

Its-A-New-Age-Thing

if the moan at u about ure other ccs and available credit just say ure plannin on transferin ure balance and closin them down.........even though u probably wont be lol

fairmorn308

exactly. let them hear what they want to hear lol