The Sub Prime Credit Thread - Part V

sutton111

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

Capital One is 6 months, but as for Aqua who knows. I've applied 3 times in the last 6 months. I finally got accepted on the 3rd attempt. I think someone said every 3 months, but I'm unsure.

marilyna

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?

Well done :beer:.Received my card exactly ten days after I posted the CCA off.

Toe-Jam

stclair wrote: »

Application Verification Unit

Are Ulsterbank applications sent to the same AVU as RBS/Natwest or are they processed seperately ?

I know RBS/Natwest are effectively the same, but how closely linked is the UB in the group ?

Anyone know ?

izools

All the same

sutton111

marilyna wrote: »

Well done :beer:.Received my card exactly ten days after I posted the CCA off.

onefortheroad wrote: »

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

Well, I re addressed the envelope and stuck a 1st class stamp on it, so hopefully that'll cut a few days of it. Not that I'm desperate, just impatient

never-in-doubt

Dr_Cuckoo3 wrote: »

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

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

I mean the way they operate is prehistoric in that nobody needs nor searches for 24mth searches lol, so why do it? Lenders don't have capabilities for a 24mth search so why have it?

Thats what I mean haha - sorry ok prehistoric is the wrong word ok ok I messed up lol :beer::beer:

stclair

Toe-Jam wrote: »

Are Ulsterbank applications sent to the same AVU as RBS/Natwest or are they processed seperately ?

I know RBS/Natwest are effectively the same, but how closely linked is the UB in the group ?

Anyone know ?

Yes its all the same some departments are dual brand now and thats one of them

sutton111

stclair wrote: »

Yes its all the same some departments are dual brand now and thats one of them

So for example, if you owed RBS money and opened an account with Natwest they'd decline the Natwest account?

sutton111

And a question about Aqua. Is the limit the 3 numbers at the bottom right hand corner of the page? Or can the limit be different?

izools

I've fond it to be the limit at the bottom of the don't mark below line. Same with all Halifax cards AFAIK - someone in the Clarity thread saw "6500" or similar printed on their credit agreement and that's what they had so it seems to apply to Aqua / Halifax / BOS / Et al FWIW