The Sub Prime Credit Thread - Part IV

seeya23

im a feeling down but just have to keep going

kilasuit

mines a drawing of my son by the missus from a pic that i took of him with a quality street lid on as a hat.
i had avatars disabled - dunno y thou.
been workin crap hours for crap pay. got a massive 7p pay rise last week and tbh i aint sure how long i'll be there for. hopin that i manage to get this job i'm in the middle of the application process for. just gotta wait for a potential face to face interview.

Innocent_Guy

Hi All,

I am always lurking but not always posting.

Whats happened?

never-in-doubt

Innocent_Guy wrote: »

Hi All,

I am always lurking but not always posting.

Whats happened?

Niddy applied to 1st Direct again yesterday - a year after I last applied (First Direct)! Lets hope this time they give in to their desires - they know they want my custom lol.....

Bank of Cyprus is still a handy wee parachute account to have, I use it for money laundering purposes and they are fine with it :rotfl: :rotfl: :rotfl:

Innocent_Guy

never-in-doubt wrote: »

Niddy applied to 1st Direct again yesterday - a year after I last applied (First Direct)! Lets hope this time they give in to their desires - they know they want my custom lol.....

Bank of Cyprus is still a handy wee parachute account to have, I use it for money laundering purposes and they are fine with it :rotfl: :rotfl: :rotfl:

LOL, How did you apply?

I was sooooo tempted recently! I tell you what, if your accepted I will apply!

I have also been tempted by Egg and MBNA although I will NEVER be accepted lol.

Innocent_Guy

I also want to increase my HSBC overdraft.

never-in-doubt

Innocent_Guy wrote: »

I also want to increase my HSBC overdraft.

When was it last issued/increased mate?

As for 1st Direct - don't do it if you've just opened a CC with HSBC as it will bring your behaviour score down (apparently) - you need to give it a good 3 months as FD are stricter on new accounts, in fact you went Sygma mad didn't you mate? LOL - numpty! :rotfl: :rotfl:

Seriously though, regards to FD - if I get it then you will, as I have a HSBC Cifas lol :eek: - but they never auto declined me! However that means little, last year - see here #5 - then in the end it was declined - gutted!!

Innocent_Guy

never-in-doubt wrote: »

When was it last issued/increased mate?

As for 1st Direct - don't do it if you've just opened a CC with HSBC as it will bring your behaviour score down (apparently) - you need to give it a good 3 months as FD are stricter on new accounts, in fact you went Sygma mad didn't you mate? LOL - numpty! :rotfl: :rotfl:

Seriously though, regards to FD - if I get it then you will, as I have a HSBC Cifas lol :eek: - but they never auto declined me! However that means little, last year - see here #5 - then in the end it was declined - gutted!!

Last time O/D was issued was November 2009 and that was just the standard "you can keep your existing overdraft for another year" letter. I have not actually applied for an increase in over 18 months.

Innocent_Guy

BTW, I just opened HSBC credit card, Flybe & Silvercard.

Once the silvercard is 6 months old I am going to close it.

never-in-doubt

Innocent_Guy wrote: »

Last time O/D was issued was November 2009 and that was just the standard "you can keep your existing overdraft for another year" letter. I have not actually applied for an increase in over 18 months.

Do it then online, if you're shy? However if you ring though you have better chance of being accepted mate - ring this number: 01226 26 10 10