The Sub Prime Credit Thread - Part IV

never-in-doubt

Well done matey - excellent news for ya!

Zack1

Innocent_Guy wrote: »

First Direct account opened! Account number given, credit card details supplied and savings accounts sorted! YEY!! :j:j:j

Well done , that's great news!

BugsyBrowne

never-in-doubt wrote: »

Well done matey - excellent news for ya!

Nid maybe you can explain this well done for innocent getting a first direct account, but surely if he had a very good credit report it would be a bit of p!ss to get that account just like any other bank account,as long as your credit is good.seems like he gets good wages as well so don't think any bank would turn him down to be honest.

noah271007

Good on you Innocent! Well done, very pleased for you. So you got the same limits offered as provisional?

I am going to call the number you gave me to the HSBC central underwriting team and hopefully come back here with postive news.

never-in-doubt

star-fire wrote: »

Nid maybe you can explain this well done for innocent getting a first direct account, but surely if he had a very good credit report it would be a bit of p!ss to get that account just like any other bank account,as long as your credit is good.seems like he gets good wages as well so don't think any bank would turn him down to be honest.

Hi mate - no. FD is the hardest bank to get accepted with plus both myself and innocent had issues and we started a trend, last year. We interrogated the cra's and fpa's - trust me, it is a well deserved "well done"!!

slykal

Congratulations Innocent _guy!!! May I ask why First Direct though? What do they offer that other banks don't? (just curious)

never-in-doubt

slykal wrote: »

Congratulations Innocent _guy!!! May I ask why First Direct though? What do they offer that other banks don't? (just curious)

You ring and get answered by a human in less than 3 rings, personalised staff, better accounts, higher limits, exclusivity (kudos) of the account - the list goes on........

FD is not the best bank for no reason ;)

laney85

TheEffect wrote: »

CapitalOne Statement just created online...

Previous credit limit: £300

New credit limit on 4th statement: £800

I'm HAPPY!

Can I ask how you managed your account, just nosy my initial limit was £300 and my 4th statement is August .

BugsyBrowne

never-in-doubt wrote: »

Hi mate - no. FD is the hardest bank to get accepted with plus both myself and innocent had issues and we started a trend, last year. We interrogated the cra's and fpa's - trust me, it is a well deserved "well done"!!

Oh right i see cheers mate....

TheEffect

laney85 wrote: »

Can I ask how you managed your account, just nosy my initial limit was £300 and my 4th statement is August .

Spent around £100-£250 on the card each month, occasionally leaving a balance.