The Sub Prime Credit Thread - Part V

callum9999

Zack1 wrote: »

Nope it's Monday they'll appear if I get any. I can't apply for anything anyway so it might not come online until I can, I just want to check my guaranteed overdraft amount.

I've just seen cash withdrawals on Halifax Clarity card are only 12.9%, that's pretty decent, considering what certain other companies can charge!!

Do you know how long it is until you start getting told about pre-approved offers? I assume it appears in the "offers for you" bit?

I only opened it last night so it's predictably empty at the moment.

Zack1

callum9999 wrote: »

Do you know how long it is until you start getting told about pre-approved offers? I assume it appears in the "offers for you" bit?

I only opened it last night so it's predictably empty at the moment.

Nope I only opened mine a month ago. You can tell your overdraft limit by putting £9999 in the overdraft request box. It updates on the 2nd Monday of each month. It may take a few months for offers to kick in, probably depends how borderline you were at application...

callum9999

Zack1 wrote: »

Nope I only opened mine a month ago. You can tell your overdraft limit by putting £9999 in the overdraft request box. It updates every 2nd Monday. It may take a few months for offers to kick in, probably depends how borderline you were at application...

Thanks, the limit was £100 so probably not far off borderline.

Oh well, theres no rush I'd just like to get a clarity card for travelling at some point. I don't see myself getting it anytime soon, but then last year I didn't see myself having a prime credit card with a £2k limit and (admittedly useless) airmile rewards by now so who knows!

At least I've finally got rid of vanquis now - I don't need it and they messed up my direct debit which really irritated me so I just paid everything off and cancelled it.

onefortheroad_2

Zack1 wrote: »

Nope I only opened mine a month ago. You can tell your overdraft limit by putting £9999 in the overdraft request box. It updates on the 2nd Monday of each month. It may take a few months for offers to kick in, probably depends how borderline you were at application...

got my in about 2 or 3 week account open 19 jul offers was on account in mid august went off for few days then they was back on again

Dr_Cuckoo3

never-in-doubt wrote: »

Also, CallCredit retain all searches for 2yrs but lenders can only look back over 12 months... now you know why nobody trusts their system cos it is like prehistoric.... :eek:

Why would they be prehistoric if they are the newest credit reference agency

Their affordability tool appears to be a selling point too :cool:

sutton111

Hello Campers

I've returned from my Hols to find out I've been accepted for an Aqua card!!!! It got referred about 2 weeks ago.

How long do I have to wait for the card to come from posting the CCA off?

onefortheroad_2

sutton111 wrote: »

Hello Campers

I've returned from my Hols to find out I've been accepted for an Aqua card!!!! It got referred about 2 weeks ago.

How long do I have to wait for the card to come from posting the CCA off?

7-10 days from when you send cca back well done:T:T

sutton111

onefortheroad wrote: »

7-10 days from when you send cca back well done:T:T

Thanks mate

mrandmrsselby

How long you really need to wait between applications with AQUA & CAPITAL ONE if they have declined you once, is it 6months?

Thanks

onefortheroad_2

mrandmrsselby wrote: »

How long you really need to wait between applications with AQUA & CAPITAL ONE if they have declined you once, is it 6months?



Thanks

yes it is 6 months