The Sub Prime Credit Thread - Part IV

PROLIANT

Just got a £300 lift on my Silver card.

never-in-doubt

PROLIANT wrote: »

Just got a £300 lift on my Silver card.

Nice one - if you're bored why not apply for another sygma card? Surely you'll get like me and innocent and a higher limit? I got offered a £5k odd limit myself but the apr scared me off, I couldn't exactly BT a £3k limit from 12.9% to one that would eventually end up being in the 20's so didn't bother!

Kinda wish I did cos now they say I have to wait before re-applying! :rotfl::rotfl:

BugsyBrowne

never-in-doubt wrote: »

Nice one - if you're bored why not apply for another sygma card? Surely you'll get like me and innocent and a higher limit? I got offered a £5k odd limit myself but the apr scared me off, I couldn't exactly BT a £3k limit from 12.9% to one that would eventually end up being in the 20's so didn't bother!

Kinda wish I did cos now they say I have to wait before re-applying! :rotfl::rotfl:

To be honest i would like 5k credit limit,so am thinking about applying for another card again,just worried that they will give me another £1000 limit..

never-in-doubt

star-fire wrote: »

To be honest i would like 5k credit limit,so am thinking about applying for another card again,just worried that they will give me another £1000 limit..

You need to get the Flybe I think, as these somehow give better limits - but remember Innocent and my files are ok, we also have higher limit cards.....

I dunno how they work, I do have a mate that works for them but he doesn't say much at all - only their scoring processes so wouldn't help much in my asking him!!

Zack1

I did a Vanquis app online (got bored last night, and saw it offered £10 cashback on rpoints so thought I'd try that). Stupid thing was still demanding a valid phone numbre (11 0's wouldn't work) so I thought about using what I know is a valid area code (01234, amazingly, I thought my friend was taking the mick when he gave me his number!) and then 000000. If that's a real number then they're ringing somebody else... but I thought that it's likely to be referred and the person should work out that's fake and use my mobile number....

It got referred, just got a text from CardService "Thank you for apply for a Vanquis Credit Card, we will contact you this afternoon to progress your application"

hmmmmm.... just hoping they don't call when footballs on, that's how I make money to pay people like them off Will it be an underwriter like Aqua who will grill me on the salary I put in (it does look highly inflated but it's true....) and my home address etc or is it just a "hello we're checking you exist, do you want to buy our rip off insurance etc etc" type thing like everyone else gets? Because I was referred so don't know what to expect!

never-in-doubt

Zack1 wrote: »

I did a Vanquis app online (got bored last night, and saw it offered £10 cashback on rpoints so thought I'd try that). Stupid thing was still demanding a valid phone numbre (11 0's wouldn't work) so I thought about using what I know is a valid area code (01234, amazingly, I thought my friend was taking the mick when he gave me his number!) and then 000000. If that's a real number then they're ringing somebody else... but I thought that it's likely to be referred and the person should work out that's fake and use my mobile number....

It got referred, just got a text from CardService "Thank you for apply for a Vanquis Credit Card, we will contact you this afternoon to progress your application"

hmmmmm.... just hoping they don't call when footballs on, that's how I make money to pay people like them off Will it be an underwriter like Aqua who will grill me on the salary I put in (it does look highly inflated but it's true....) and my home address etc or is it just a "hello we're checking you exist, do you want to buy our rip off insurance etc etc" type thing like everyone else gets? Because I was referred so don't know what to expect!

It'll be a quick call to offer you insurance and cash advance mate - just listen to them, say no thanks then get the card - well done :T:T

Zack1

never-in-doubt wrote: »

It'll be a quick call to offer you insurance and cash advance mate - just listen to them, say no thanks then get the card - well done :T:T

Wow so I should have the card?! Wow... I put down I've got 3 others! Thought I was going to get declined because of that and student status, was shocked it even got referred, but thought I'd give it a go anyway and if it fails then to close Cap1 and try again in 6 months when it's reported as closed.

I applied for Tesco at the same time, that was another decline, shock horror. Grrr, I could actually do with one of those as well!

ElkyElky

I got a bloody parking ticket today because my wheel was sitting just over the line for a loading bay!

never-in-doubt

ElkyElky wrote: »

I got a bloody parking ticket today because my wheel was sitting just over the line for a loading bay!

have a mooch here matey - you can get it wiped lol.... see the top few links :p

http://lmgtfy.com/?q=parking+ticket+loopholes

izools

Zack1 wrote: »

Wow so I should have the card?! Wow... I put down I've got 3 others! Thought I was going to get declined because of that and student status, was shocked it even got referred, but thought I'd give it a go anyway and if it fails then to close Cap1 and try again in 6 months when it's reported as closed.

I applied for Tesco at the same time, that was another decline, shock horror. Grrr, I could actually do with one of those as well!

I wouldn't be surprised mate, they approved me two months after I was discharged from bankruptcy, whilst living at home with mother and on JSA

My how things have changed in the last couple of years...