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The Sub Prime Credit Thread - Part V

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Comments

  • seeya23
    seeya23 Posts: 2,330 Forumite
    gazelle8760 wrote: »
    I have a few missed payments from November last year,


    it will be your missed payment stoping you geting a card
  • mnomis
    mnomis Posts: 82 Forumite
    sutton111 wrote: »
    Another Aqua question

    How long after you've received your pin should I receive the card?

    I think they say allow 7 days.

    I got both within 6.
    Capital one £200 - bal nil. Aqua £350 - bal nil
    Vanquis limit [STRIKE]£250[/STRIKE] [STRIKE]£750[/STRIKE] £1250 - bal £450. Nat West overdraft limit - £300, unused. JD Willaims limit [STRIKE]£400 [/STRIKE] [STRIKE] £600 [/STRIKE] £900 - bal £90.
    Very limit £400 - balance £329 (buy now pay 2011!)
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    mnomis wrote: »
    I think they say allow 7 days.

    I got both within 6.

    Yea I remember you saying, that was so quick!! Still haven't had either yet though.
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    gazelle8760 wrote: »
    Well, according to their web-site you need to have a good credit history, no defualts, payment arrears or CCJ's, I have a few missed payments from November last year, on an old bank account being reported, nothing since, no defaults, and no CCJ's and I couldn't get a card, so how does this figure?

    I have a satisfied default and I got a Silver card, which is issued by sygma, with a £1000 limit at that particular point.
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 10 September 2010 at 1:01PM
    Oh and as of today the overdraft option has appeared on my online banking with HSBC!! :j
  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
    sutton111 wrote: »
    Oh and as of today the overdraft option has appeared on my online banking with HSBC!! :j

    You'd still have to apply and get credit searched to see if they'll give you one. I applied for a £100 overdraft on the day it appeared on my online banking and it was a flat out decline.
    We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    ElkyElky wrote: »
    You'd still have to apply and get credit searched to see if they'll give you one. I applied for a £100 overdraft on the day it appeared on my online banking and it was a flat out decline.

    Bol*ocks!! At least it's there, because it wasn't up until today.
  • seeya23
    seeya23 Posts: 2,330 Forumite
    sutton111 wrote: »
    Oh and as of today the overdraft option has appeared on my online banking with HSBC!! :j


    are you applying for one :)
  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
    sutton111 wrote: »
    Bol*ocks!! At least it's there, because it wasn't up until today.

    I'm going to try applying again right now, to see what happens. The only reason I could think why they declined was because I had too many searches.
    We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    seeya23 wrote: »
    are you applying for one :)

    Alright Seeya, how are you?

    lol, well I may, but I should find my BS out first that'll tell me if I stand a chance of getting one.
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