The Sub Prime Credit Thread - Part V

questionabout

Red_Rabbit wrote: »

I just applied :rotfl:

Got told they will let me know in next 7 days! Yea right, thats a decline if i've ever seen one!

Actually I got the same message last month and got accepted :j They just wanted me to send some more documents, didn't even have to sign a paper credit agreement.

big_Daddy_Dave

does anyone know if you can get an internal score on the Barclays cash card account? ive had it 3 months and want to upgrade then in 3 months get the barclaycard initial

thanks

Red_Rabbit

big_Daddy_Dave wrote: »

does anyone know if you can get an internal score on the Barclays cash card account? ive had it 3 months and want to upgrade then in 3 months get the barclaycard initial

thanks

I read that basic accounts are not scored to build up internal history so possibly not, but i'm no expert

When I had a HBOS one they never used anything from my easycash history before giving me the full account, I was scored and passed it on appeal. Now closed though.

questionabout

big_Daddy_Dave wrote: »

does anyone know if you can get an internal score on the Barclays cash card account? ive had it 3 months and want to upgrade then in 3 months get the barclaycard initial

thanks

Well I would like a definite answer on this too. I've just posted yesterday on another thread that I'm considering leaving my Barclay Cash Card account, or applying for a 2nd Full Bank account with Barclays too.

Basically as I understand it you will never be offered credit products via internal methods on this account because the basic accounts are not credit checked. Also you can't Upgrade the Cash Card account, you would need to get a new account with new number.

However despite this, I did read a while ago that another cash card account holder was told by a member of staff that they need to have a minimum "income or account credit balance" or something can't remember what he called it before they will consider upgrading the account. But i'm certain you would definitely need a new account number and while your on the cash card account you will never be pre-approved for a Barclaycard (or any other credit) on the online banking screen.

Red_Rabbit

questionabout wrote: »

Actually I got the same message last month and got accepted :j They just wanted me to send some more documents, didn't even have to sign a paper credit agreement.

Well done but I do think mine will be a big fat NO! I have a few old defaults showing (4 year old)

onefortheroad_2

Red_Rabbit wrote: »

Well done but I do think mine will be a big fat NO! I have a few old defaults showing (4 year old)

i got one with a ccj 2007 and default

big_Daddy_Dave

Red_Rabbit wrote: »

I read that basic accounts are not scored to build up internal history so possibly not, but i'm no expert

When I had a HBOS one they never used anything from my easycash history before giving me the full account, I was scored and passed it on appeal. Now closed though.

questionabout wrote: »

Well I would like a definite answer on this too. I've just posted yesterday on another thread that I'm considering leaving my Barclay Cash Card account, or applying for a 2nd Full Bank account with Barclays too.

Basically as I understand it you will never be offered credit products via internal methods on this account because the basic accounts are not credit checked. Also you can't Upgrade the Cash Card account, you would need to get a new account with new number.

However despite this, I did read a while ago that another cash card account holder was told by a member of staff that they need to have a minimum "income or account credit balance" or something can't remember what he called it before they will consider upgrading the account. But i'm certain you would definitely need a new account number and while your on the cash card account you will never be pre-approved for a Barclaycard (or any other credit) on the online banking screen.

oh thats a shame

there goes my plans..

Red_Rabbit

onefortheroad wrote: »

i got one with a ccj 2007 and default

I have 17 defaults :eek:

Zack1

chexum wrote: »

It's on the website as well, and your link may be personalised, so watch out

That seems to mean they feel they need more customers, I suspect maybe a cashback option is coming up as well (none on topcashback though). That could be an easier way to bag a few quids more than not paying interest on a £200 limit if that's what you are eligible for...

Cap1 already offer a cashback card, but you need "flawless credit history" to get it :eek: Bit of a stupid one given how their company started out! I'm waiting to see what new cards are going to come out next month, if any - if decent ones come out I may close the card I've got (after I ask Aqua nicely for an increase...)

onefortheroad_2

my wife got a increase off auqa after 6 months i think