The Sub Prime Credit Thread - Part IV

fairmorn308

evening all

Hows everyone? whats been happening? Am back offshore for another 21 days and only got home for 3 days after my last 21 days away

kilasuit

Guys i've just created a new thread https://forums.moneysavingexpert.com/discussion/2515897

Its to do with Credit Cards and the Everyday things like Utilities etc that accept CC payments and the % they Charge to do so.

Hope you'll all spend just a minute giving your own personal experience for me.

ARTooD2

Well just applied for Vanquis through Quidco again...hopefully 3rd time lucky...who knows..... :T

seeya23

ARTooD2 wrote: »

Well just applied for Vanquis through Quidco again...hopefully 3rd time lucky...who knows..... :T

i hope you get it this time any think bad on your file

ARTooD2

seeya23 wrote: »

i hope you get it this time any think bad on your file

3 defaults all about 4/5 years old and 1 missed payment a year ago. Thats all I can see and/or know about :P

seeya23

ARTooD2 wrote: »

3 defaults all about 4/5 years old and 1 missed payment a year ago. Thats all I can see and/or know about :P

i got one with 2 ccjs

Ellbubb

When you get credit searched and the company find a ccj on record do they take into account the amount its for and how long ago you had it or is it just " Ccj a no go " sort of thing ?

Miles30

Hi everyone,
I have managed to open a smile bank account. I opened their savings account first to try before opening the current account.

I did ask them if I'll get approved for the current account as I had too many searches. They explained to me that I wouldn't be declined based on searches but I would be declined if I had adverse data on my file.

They phoned my landline number but the mrs told them I had traveled. They didn't ask who my employer was, which was good for me because I dont like disclosing it. Let's say my employer wont even confirm that I work for them anyway. That was why I couldn't apply to First Direct.

thequant

Not sure why people are having difficulty getting CC'sand bank account here.

for the records,I have 2 defaults,one CC and one bank account.

despite this While on benefits (for 6 years) I managed to open 3 current accounts and 3 CC's, total limit across them all approx £15k.

the secret is bank account "churn", open a basic account, pay money in,take it out continuously.

this way the bank thinks you earn more money than you do and next thing they are throwing stuff at you!

fairmorn308

Evening all