Credit Reference Agencies - Who Really Uses Who? II

darlyn

Hi Ya'll,

Just thought I'd try for a Flybe card......

instant yes and 5k limit.....yay !

Soooooo, thought I'd try for OH on 'creation cash back card' (I'm assuming this has replaced the 'silver' card as could not find it)

instant yes and 5k limit !!!

24hours after, neither is showing on CRA's yet......?

boogiemaster

darlyn wrote: »

Hi Ya'll,

Just thought I'd try for a Flybe card......

instant yes and 5k limit.....yay !

Soooooo, thought I'd try for OH on 'creation cash back card' (I'm assuming this has replaced the 'silver' card as could not find it)

instant yes and 5k limit !!!

24hours after, neither is showing on CRA's yet......?

Congratulations!


I tried looking for the sliver card and couldn't find it.

Anyone know what card this has been replaced with as I heard its the easiest one to get accepted for.

darlyn

boogiemaster wrote: »

Congratulations!


I tried looking for the sliver card and couldn't find it.

Anyone know what card this has been replaced with as I heard its the easiest one to get accepted for.

I think it's the 'creation card' now, when I went online yesterday to apply there were about 4 versions of it (purple colour)....no mention of the 'silver card'.
All the rest were there.....incl the cr*ppy football ones!!! I'd rather present a vanquis than those!) :rotfl:

darlyn

Ok...

Sygma reporting a search on EQ table 1 (opt in - whats THAT?!) for Flybe (and OH creation card). Both accepted online, just waiting for cards

Smile (co-op) already showing on EX as credit search after applying 5 mins ago. Online application now says;

Thanks for applying for these accounts (marked with a *):

* a Visa credit card with a credit limit of £ 5,000

Before we send your account details, there are just a few more checks to finish off. They're nothing to worry about - we do them with all applications.
We'll send you an agreement form for your Visa credit card account(s). Please read it carefully and check you are happy with the interest rate and terms, then sign it, and return it straight away. Our address is: smile, Freepost NWW2329A, PO Box 600, Skelmersdale WN8 6GF.

Kinda hoping that means accepted too?!?:o

Just want to get some 'mainstream' cards to rebuild credit rating (not rebuild debt!!!)

darlyn

I HATE waiting....for information....for cards to come!!!


I'm a big kid!:rotfl:

boogiemaster

darlyn wrote: »

I think it's the 'creation card' now, when I went online yesterday to apply there were about 4 versions of it (purple colour)....no mention of the 'silver card'.
All the rest were there.....incl the cr*ppy football ones!!! I'd rather present a vanquis than those!) :rotfl:

Thanks for the reply

izools

darlyn wrote: »

Hi Ya'll,

Just thought I'd try for a Flybe card......

instant yes and 5k limit.....yay !

Soooooo, thought I'd try for OH on 'creation cash back card' (I'm assuming this has replaced the 'silver' card as could not find it)

instant yes and 5k limit !!!

24hours after, neither is showing on CRA's yet......?

No duh...

Creditors update credit reference agencies once every 30-90 days, not every day!

darlyn

izools wrote: »

No duh...

Creditors update credit reference agencies once every 30-90 days, not every day!

Hi izools - I meant the search with the CRA, not the 'account', even I can work that out!

The search appeared when I checked 24 hours after.

:beer:

pearls_of_wisdom

hi,just about to apply for barclaycard,and just enquiring 1. if anyone had applied recently and 100% knew who search had been done through ? also 2.qouted at 70 to 80% platinum and 80 to 90% initial if i apply for platinum and just fall short will i be offered initial or do bank say no to platinum and thats it ? 3.does ticking no i do not have a balance transfer affect chances ? many thanks

izools

darlyn wrote: »

Hi izools - I meant the search with the CRA, not the 'account', even I can work that out!

The search appeared when I checked 24 hours after.

:beer:

Ahh! I see, sorry It wasn't clear what you meant from your previous post

Odd that the search took a few days to appear - were you ordering a fresh copy of your report each day?