The Sub Prime Credit Thread - Part IV

kilasuit

sutton111 wrote: »

Oh good luck with it!! I think they'll close that A&L branch on the corner. I never actually see anyone in it.

Last time i was in there someone was paying in a cheque for £10100 into the cash isa that was the best buy at the time

So probs march?

TheEffect

sutton111 wrote: »

Where are you going in Africa? On Safari?

So are you getting yourself a new iPhone and what network? I know o2 aren't dishing out new contracts for new customers. They're only to existing customers who are transferring or upgrading.

Tanzania, Sumbawanga.
I'll be getting it on Orange monthly £35. :j

never-in-doubt

kilasuit wrote: »

fair enough point?

But still - a banker mate? :rotfl: :rotfl: :rotfl:

You ought to see this then!! Poll: Bank Employees



* i'm teasing, you know that right?

BugsyBrowne

Bluerover wrote: »

Well looks like things are looking up default comes off July 2010. Have had clean credit apart from this no missed late payments nothing but green 0's on everything. And it works people I have had an offer from LTSB CC balance transfers 0% 12 months 2.9% transfer fee phoned them up to transfer balance. And thought things must be looking up phoned Cap One which is sitting doing nothing....£500 limit 34.9% interest said I was leaving and told to look website at their good offers and apply so I did I applied for there Worldmastercard with 19.9% and 1% cashback and got accepted straight off......£5,000 limit. Which I won't useas I want to move into mainstream 0% deals and thought while on a homerun, i'd try elsewhere and got accepted for the yorkshirebank gold )% balance transfer for 16 months and 16.9% apr just waiting for limit.

Also been into Nationwide today where I have a cash account basic account to be asked would I like to upgrade to there current acount with overdraft and debit card.

So what I am trying to say is stick with it credit can improve. So bye bye 43% vanquis......and 34% Cap One. Even 19.9% seems high now how a year changes you perspective. I am so going to be a taking advantage of all I have learnt from this site and sub prime threads I will always consider myself a sub primer.........even as I tart about my 0% cards.[/QUOTET

That seemed a bit quick closing one capital one card than being accepted straight away for another..

kilasuit

never-in-doubt wrote: »

But still - a banker mate? :rotfl: :rotfl: :rotfl:

You ought to see this then!! Poll: Bank Employees



* i'm teasing, you know that right?

Family before beliefs otherwise i wouldn't currently be working as i at the time of taking on the job despised the idea of working for the company i currently work for as had been in a similar job and didnt really wanna go from 1 company to another tbh.


Other than this how is everyone?

Lapchien

Bluerover wrote: »

Well looks like things are looking up default comes off July 2010. Have had clean credit apart from this no missed late payments nothing but green 0's on everything. And it works people I have had an offer from LTSB CC balance transfers 0% 12 months 2.9% transfer fee phoned them up to transfer balance. And thought things must be looking up phoned Cap One which is sitting doing nothing....£500 limit 34.9% interest said I was leaving and told to look website at their good offers and apply so I did I applied for there Worldmastercard with 19.9% and 1% cashback and got accepted straight off......£5,000 limit. Which I won't useas I want to move into mainstream 0% deals and thought while on a homerun, i'd try elsewhere and got accepted for the yorkshirebank gold )% balance transfer for 16 months and 16.9% apr just waiting for limit.

Also been into Nationwide today where I have a cash account basic account to be asked would I like to upgrade to there current acount with overdraft and debit card.

So what I am trying to say is stick with it credit can improve. So bye bye 43% vanquis......and 34% Cap One. Even 19.9% seems high now how a year changes you perspective. I am so going to be a taking advantage of all I have learnt from this site and sub prime threads I will always consider myself a sub primer.........even as I tart about my 0% cards.

I envy you Bluerover! - I have another 18 months go go...

Bluerover

star-fire wrote: »

Bluerover wrote: »

Well looks like things are looking up default comes off July 2010. Have had clean credit apart from this no missed late payments nothing but green 0's on everything. And it works people I have had an offer from LTSB CC balance transfers 0% 12 months 2.9% transfer fee phoned them up to transfer balance. And thought things must be looking up phoned Cap One which is sitting doing nothing....£500 limit 34.9% interest said I was leaving and told to look website at their good offers and apply so I did I applied for there Worldmastercard with 19.9% and 1% cashback and got accepted straight off......£5,000 limit. Which I won't useas I want to move into mainstream 0% deals and thought while on a homerun, i'd try elsewhere and got accepted for the yorkshirebank gold )% balance transfer for 16 months and 16.9% apr just waiting for limit.

Also been into Nationwide today where I have a cash account basic account to be asked would I like to upgrade to there current acount with overdraft and debit card.

So what I am trying to say is stick with it credit can improve. So bye bye 43% vanquis......and 34% Cap One. Even 19.9% seems high now how a year changes you perspective. I am so going to be a taking advantage of all I have learnt from this site and sub prime threads I will always consider myself a sub primer.........even as I tart about my 0% cards.[/QUOTET

That seemed a bit quick closing one capital one card than being accepted straight away for another..

Hiya did not cancel the Cap One according to the woman on the phone she said look on the website and see what offer I think fits me and apply then they would accept or not and before new card/account sent out then I would have to cancel the old one.
On the website it said I had been accepted, so will wait and see what happens if all falls flat I will cancel Capital one 34% anyhow.

Bluerover

sutton111 wrote: »

So did Nationwide give you a "full" account?

Have appointment tomorrow so will see but appears system is trying to upgrade me..:j....its all relative but its moving in right direction.

Innocent_Guy

Bluerover wrote: »

star-fire wrote: »

Hiya did not cancel the Cap One according to the woman on the phone she said look on the website and see what offer I think fits me and apply then they would accept or not and before new card/account sent out then I would have to cancel the old one.
On the website it said I had been accepted, so will wait and see what happens if all falls flat I will cancel Capital one 34% anyhow.

I have a feeling they may cancel your new app matey as you already have one of their products.

never-in-doubt

Innocent_Guy wrote: »

I have a feeling they may cancel your new app matey as you already have one of their products.

Yea agreed - usually Crappy one insist you close the current account, wait a month THEN reapply - isn't that what others have done on here? :cool: Or even maybe wait til the old account is totally closed or summat?

Didn't you do it? I know a few have but cant for the life of me remember who! :rotfl: