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The Sub Prime Credit Thread - Part V

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Comments

  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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
    marilyna Posts: 150 Forumite
    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
    Toe-Jam Posts: 1,554 Forumite
    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
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    All the same :o
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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 :o
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Dr_Cuckoo3 wrote: »
    Why would they be prehistoric if they are the newest credit reference agency :p

    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:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • stclair
    stclair Posts: 6,855 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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 :D
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    stclair wrote: »
    Yes its all the same some departments are dual brand now and thats one of them :D

    So for example, if you owed RBS money and opened an account with Natwest they'd decline the Natwest account?
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    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 :o
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
This discussion has been closed.
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