The Sub Prime Credit Thread - Part V

izools

onefortheroad wrote: »

just like next had a £250 limit when i open account to £150 for six months now day it,s up to £700 :mad:

Probably go to £0 for a while at some point then jump to £3,000. Has been known to happen before

Its-A-New-Age-Thing

an more yippeee

so whilst ure in lyods mode talk me through what a cpd is, how u found out what one was, if someone told u who told them, and if someone told them who told the someone that told them, and how can the someone that told them be believed, who told them etc, and how did they find out,

ta

izools

Its-A-New-Age-Thing wrote: »

an more yippeee

so whilst ure in lyods mode talk me through what a cpd is, how u found out what one was, if someone told u who told them, and if someone told them who told the someone that told them, and how can the someone that told them be believed, who told them etc, and how did they find out,

ta

CPD = Credit Policy Decline = Lloyds TSB Computer generated marker meaning "No Credit for this customer"

It comes up on the personal bankers screen when they open your account if your customer profile has been barred from taking out credit products with the bank. I've seen it on their screen myself and even if you have set limits, a CPD means you can't access them.

No one told me this, I saw it for myself on the personal bankers computers. One screen showed a £1,600 Authorized overdraft limit (this was May) but the personal banker couldn't increase my limit to even £250 because another screen showed a CPD. The screen that showed the £1,600 limit also showed a risk score of 4 (at the time) but them trying to click through the increased overdraft caused a message to pop up "Credit Policy Decline = 99" and threw them back to my account summary screen.

That is now gone as I've been able to set my OD at £250 via my online banking.

You know the rest, just trash spouted by phone monkeys making it up as they go along.

Its-A-New-Age-Thing

are u sure u read the screen correctly? when was ure last eye test?

ta

izools

Its-A-New-Age-Thing wrote: »

are u sure u read the screen correctly? when was ure last eye test?

ta

Up yours. :cool:

Its-A-New-Age-Thing

izools wrote: »

Up yours. :cool:

cant believe u answered the first one

:rotfl::rotfl::rotfl:

:beer:

izools

Its-A-New-Age-Thing wrote: »

cant believe u answered the first one

:rotfl::rotfl::rotfl:

:beer:

Well one of us two needs to demonstrate an ability to write a grammatically correct and non-subversive post, if it's not you it might as well be me :cool:

Zack1

wizzywig27 wrote: »

woohoo, I finally got accepted for Capital One, and although some of you may think its not that great, this is the third time I have applied, and they have rejected me twice, so is this a sign I am moving in the right direction? hehe I'm kinda axcited :-)

Yea it's a good thing I think. They aren't the best company, but it helps to move on November 2009 I was getting rejected from everything but Natpest, then Capital One took me and now I'm in the little Sygma group!

Just got my card through, I have a 10% promotion purchase rate, but it doesn't say what the terms are Won't be using it anyway on £200!

inkslinger

Been lurking here for a while, thought gathering mostly, but enjoying the little morsals of advice, and help you lot seem to offer one another. Had a few financial problems of my own (not my making) and still do in a way (cant say too much at the moment) but I do have a vanquis card (£500 limit so far) and a Halifax one (£500 limit too)

Does Halifax one count as sub prime? it only caries a 16.9% apr, so im wondering if Iv began to join the 'Normal' club again.

paulmcerlean

Halifax is not subprime, no.