Sygma Bank Credit Cards

Bluebirds1975

jayjayuk wrote: »

so it seems they give less with flybe but i asked for a credit limit increase and was told in 3 months they would let me know :A

I applied for the silver and flybe and got the bigger limit on my flybe

fairmorn308

I have flybe card with 4k limit and silvercard on its way with £1000 limit

BugsyBrowne

Bluebirds1975 wrote: »

Thats not a great offer? How many Sygma cards have you tried?

I have one sygma card which is flybe,to be honest think it must of been all them searches i have on equifax.
Not to fussed though,its nice to know that in 6 months i can apply again for another prime card.
i would be more worried sitting on these threads with defaults,ccj arrange to pay credit reports,and have to wait for everything to drop off.
well done on your 2cards bluebirds

Bluebirds1975

star-fire wrote: »

I have one sygma card which is flybe,to be honest think it must of been all them searches i have on equifax.
Not to fussed though,its nice to know that in 6 months i can apply again for another prime card.
i would be more worried sitting on these threads with defaults,ccj arrange to pay credit reports,and have to wait for everything to drop off.
well done on your 2cards bluebirds

Cheers Star, did you try the silver card rather than the charity one? I got the better of the APR's on that card?

woody01

Innocent_Guy wrote: »

Sutton was accepted for the Silvercard £1000 @ 24.9% and he has a 2 year old default.

It is quoted at the top that Sygma is not Sub-Prime.
I disagree with interest rates of 24.9% as you are stating.

Anything over 20% in my view is for a high risk borrower on sub prime credit.

Innocent_Guy

woody01 wrote: »

It is quoted at the top that Sygma is not Sub-Prime.
I disagree with interest rates of 24.9% as you are stating.

Anything over 20% in my view is for a high risk borrower on sub prime credit.

Sygma offer a 3 tier system, obviously someone that has a default is a risk in any lenders eyes and such they will pay "rates for risk" thus the reason why Sutton has been offered an APR of 24.9%

You can have your opinion but it still remains that sygma is NOT sub-prime credit.

BugsyBrowne

Agree fully woody,its just wrong i think being accepted for a prime card should give you prime APR's..
So basically if they are giving 24.9% on there card they see you as a risky customer i think..

Innocent_Guy

star-fire wrote: »

Agree fully woody,its just wrong i think being accepted for a prime card should give you prime APR's..
So basically if they are giving 24.9% on there card they see you as a risky customer i think..

What do you expect after making more that 5 applications in 1week? YOU ARE CURRENTLY CLASSED AS A RISK!

BugsyBrowne

Agree with you mate but i would of rather they declined me there and then,its just searches which let me down nothing else.
My flybe is 19.9% which aint to bad..still think sygma are the lower end of prime cards.

safc118

Keep it for 3 month once you've made 3-6 month then call up say your gonna leave they'll probably offer you a higher limit and a lower rate!

Just make sure you pay every month in full !