The Sub Prime Credit Thread - Part V

PARIS_5000

Zack1 wrote: »

Ok then scrap that!





I think I am on their system as getting the card the same time as you, as although I got it a month later I was activated on 28th and got given a statement on 29th, that was reported to CRAs as a 0 under month 1, so they must have counted that 1 day as a full month internally to :rotfl:

When can we ask for more? Whenever we feel like or 6 months?

Okay so they have increased your limit well done. I see that the new credit limit is the same as mine. I would wait a few months before you ask for more but I have a feeling that they may automatically increased it again before the end of the year.

I think that our accounts are on the system as being opened around the same time because my payment due date is the same as yours. Aqua website is so crap and the balance does not update right away I paid my bill on Friday and it has not updated yet to show the new balance and payment.

Capital One website is better because it updates to show your balance and payment the same day however you have to wait years for credit increase with Capital One.

sutton111

You lot on about Aqua has made me apply for one =D

I got referred, every time I've applied before I got declined, this time I got referred.

Any advice, what do you think Zack and Paris?

sutton111

Futhermore Littlewoods have increased my limit again to £3800!!! Only if they sold iPad =/

And Empire have also increased my limit to £2950!! I must ring them and get them to stop anymore increases! =D

fairmorn308

good evening.

Does anyone know anything about offshore bank accounts as am looking into opening one up?

PARIS_5000

sutton111 wrote: »

You lot on about Aqua has made me apply for one =D

I got referred, every time I've applied before I got declined, this time I got referred.

Any advice, what do you think Zack and Paris?

If it was no they would have just declined you so I think that its gone to the underwriters and they could say yes. I phone them on Tuesday and they should be able to give you a answer.

sutton111

PARIS_5000 wrote: »

If it was no they would have just declined you so I think that its gone to the underwriters and they could say yes. I phone them on Tuesday and they should be able to give you a answer.

Yes, that's what i thought. They normally decline me, fingers crossed =D

I'll ring them on Tuesday before my I go on holiday!!

fairmorn308

I will be closing all UK bank account when i return from brazil I am just applying for a offshore account with HSBC

Happy days

big_Daddy_Dave

whats the advantage?

marilyna

sutton111 wrote: »

You lot on about Aqua has made me apply for one =D

I got referred, every time I've applied before I got declined, this time I got referred.

Any advice, what do you think Zack and Paris?

When I applied a few weeks ago, I didn't get an instant decision. I got the we will get back to you message. The following day I received my credit agreement. Received my PIN on Friday, am now waiting for the card to arrive. Don't lose hope.

Zack1

PARIS_5000 wrote: »

Okay so they have increased your limit well done. I see that the new credit limit is the same as mine. I would wait a few months before you ask for more but I have a feeling that they may automatically increased it again before the end of the year.

I think that our accounts are on the system as being opened around the same time because my payment due date is the same as yours. Aqua website is so crap and the balance does not update right away I paid my bill on Friday and it has not updated yet to show the new balance and payment.

Capital One website is better because it updates to show your balance and payment the same day however you have to wait years for credit increase with Capital One.

Good good I can't believe all these companies can be happy with my new credit? Surely if they took me as a borderline customer the fact I've got new credit is bad? Yet Aqua and Sygma clearly don't think so

Yea I really don't like their website, and even from a technical point of view it's terrible with the way it sets and expires sessions, it's a nightmare to login to sometimes as it decides there has been an error, which in all likelihood is them dragging up an old session rather than starting a new one properly :mad:

Capital One are a country mile above the rest of them. The fact they actually show full details on pending transactions I like a lot too, it's a lot easier than trying to remember which card I brought X on! The problem is their card is now well and truly bottom of my list!! I'll be finding out about my o2 contract soon... if they'll budge and give me another decent deal (meaning I can keep my oldest credit account running) then Capital One will be going as soon as I've hit 12 months!

sutton111 wrote: »

You lot on about Aqua has made me apply for one =D

I got referred, every time I've applied before I got declined, this time I got referred.

Any advice, what do you think Zack and Paris?

Haha! Good you got referred If it's an omen, I was accepted after being referred!

They wrote me a letter wanting me to call them (they called me apparently, so wrote to me as they couldn't get through). Called them and they wanted to know where I got my income from, I said student finance/parents and she basically said that wasn't acceptable as different companies have different rules.... typed it in though and now I've been given an automatic increase on my income that apparently isn't acceptable :eek: Strange people!

Good luck with getting it I don't know how likely you are to get it, as obviously the only thing affecting me is no history rather than any adverse - hope you get it though, Sygma & Aqua seem like decent companies, taking people on small limits and allowing them to prove themselves!