The Sub Prime Credit Thread - Part V

ElkyElky

lol I tried decreasing my Halifax credit card limit today, to just above the balance. It asked if I was sure I wanted to decrease blah blah and it would no longer have automatic increases etc. I said yes and it said it was unable to consider a credit limit change at this time.

It seems my £1000 credit limit is stuck in a blackhole or something as I cannot increase it nor decrease it. I'm not going to waste money calling them up for something I should be able to do online.

mrandmrsselby

I was bankrupt in 2006, discharged 2007.
I have got a Vanquis Card & Jacamo Account with average limits, but struggle to get credit from more mainstream companies like Capital One and Aqua.
I have just applied for a mobile phone from Vodafone and passed this, does this mean I may have a chance with capital one or are vodafone easy to get credit with?

Thanks

onefortheroad_2

mrandmrsselby wrote: »

I was bankrupt in 2006, discharged 2007.
I have got a Vanquis Card & Jacamo Account with average limits, but struggle to get credit from more mainstream companies like Capital One and Aqua.
I have just applied for a mobile phone from Vodafone and passed this, does this mean I may have a chance with capital one or are vodafone easy to get credit with?

Thanks

i would give capone a go if it over 6 months from the last time you apply let us know how you get on

BugsyBrowne

mrandmrsselby wrote: »

I was bankrupt in 2006, discharged 2007.
I have got a Vanquis Card & Jacamo Account with average limits, but struggle to get credit from more mainstream companies like Capital One and Aqua.
I have just applied for a mobile phone from Vodafone and passed this, does this mean I may have a chance with capital one or are vodafone easy to get credit with?

Thanks

Yeah think cap 1 classic might be your best bet,if accepted keep payments on time for the next couple of years in time for your bankrupt to fall off your report then your report will start to take shape.

samtyler222

Hi guys. I've been reading these forums for a while and I'm thinking of getting my first credit card. I saw an offer on totally money for a Capital 1 classic card with 1% purchase cashback. This sounds really good as I was thinking of the classic card anyway. Sounds a bit too good to be true though, I thought cashback cards were normally hard to get and I haven't seen anyone talking about the offer on here. What do you guys think? Thanks

BugsyBrowne

samtyler222 wrote: »

Hi guys. I've been reading these forums for a while and I'm thinking of getting my first credit card. I saw an offer on totally money for a Capital 1 classic card with 1% purchase cashback. This sounds really good as I was thinking of the classic card anyway. Sounds a bit too good to be true though, I thought cashback cards were normally hard to get and I haven't seen anyone talking about the offer on here. What do you guys think? Thanks

Not true i am afraid

samtyler222

Thanks that's a shame. Is it a scam to get details or something? Looked really real to me what was I missing?


http:// www. totallymoney.com /credit-cards/credit-cards-bad-credit.aspx

Good thing i checked here first. I nearly applied

BugsyBrowne

samtyler222 wrote: »

Thanks that's a shame. Is it a scam to get details or something? Looked really real to me what was I missing?


http:// www. totallymoney.com /credit-cards/credit-cards-bad-credit.aspx

Good thing i checked here first. I nearly applied

Just looked on that site it does say 1% cashback with the classic

callum9999

Would I be correct in assuming that the credit card offer appearing on my Halifax internet banking appears for everyone, and isn't an indication that I'm likely to be accepted for it?

If so, do they have some sort of internal scoring system to determine eligibility so I could ask them before applying?

Thanks

Dr_Cuckoo3

callum9999 wrote: »

Would I be correct in assuming that the credit card offer appearing on my Halifax internet banking appears for everyone, and isn't an indication that I'm likely to be accepted for it?

No - it doesn't appear for everyone

It does not appear in the "Offers for you" section of my online banking , although I already have Halifax credit cards so they probably do not see me as a customer "missing out on a product"


Loans appear on my "offers for you" section "Whatever you're planning our great value loans at 9.9% APR typical could help. Borrow £7,000 - £15,000 over 1 to 7 years – apply online now for an instant decision." :cool:


If you are greeted with an offer as soom as you log on and before you can see your account balances , then I suspect that this is more targetted than the "offers for you" offers

I have been offered a websaver in this manner , but no credit products