The Sub Prime Credit Thread - Part V

sutton111

ElkyElky wrote: »

I may do wallet picage too however I don't think my camera lens is good enough to fit all of my plastic in on the picture. I had to buy a wallet costing £30 because it was the only one I could find with enough card compartments.

Do them one at a time, like iZools does.

That's what i'm going to do. I did one when I 1st joined and compared to now, it's the complete antithesis now!

And remember when you take a picture of the card,to blur the numbers out too!!!

sutton111

ElkyElky wrote: »

I may do wallet picage too however I don't think my camera lens is good enough to fit all of my plastic in on the picture. I had to buy a wallet costing £30 because it was the only one I could find with enough card compartments.

BTW Elky everything ok in Scotland? And did you get your new Toyota sorted?

ElkyElky

sutton111 wrote: »

BTW Elky everything ok in Scotland? And did you get your new Toyota sorted?

One at a time? That'll take forever! :rotfl:

I just did this..


http://img534.imageshack.us/img534/4935/photoua.jpg (you'll see that the chips on the credit cards are more worn than the debit cards :rotfl:).

Scotland sucks, has always sucked and will always suck. I'm off the Toyota idea now. My parents are coming in to some money and they so generously want to buy me a Landrover so I'll see how that turns out.

Kyresa

sutton111 wrote: »

When I last applied for a Halifax account they declined me. But I'm with HSBC and they're good.

Ahh see I'm with Halifax and I hate HSBC with a passion after they mucked up my accounts!

I think the only conclusion is as we all think one bank is good and another isn't, they're all pretty much the same

izools

Stupid HSBC...

Credit checked me for my current account application on the 17th... Called me on the 19th to say "By the way sir, we've approved you for a #1,500 credit card at 19.9% APR. Would you like it?"...

Said yes, letter arrived couple of days later saying "Thank you for your application which has been approved, please sign and return this credit agreement and your card will be with you in 5-7 working days"... had the APR and Limit confirm on the credit agreement.

So that was returned and I get a message on my online banking secure messages to say thanks for your credit card application, we've declined it based on CRA data...

Thank you for applying for an HSBC Credit Card.

On this occasion I cannot proceed with your request as when we consulted a licensed credit reference agency, the information they gave us relating to you or your financial associates caused me to decline your application.

So I got a copy of my CC, EQ, EX files - none of them show a search - only the one done on the 17th for a current account - so they obviously were referring to this data. The same data they had to hand when they called me and wrote to me to say I had been approved...

*Sigh*... Ah well. Don't really want or need another credit card anyway but wish they'd not written to me and called my lying

I never even applied for it anyway, they called and wrote to me offering it to me confirming I'd been approved. Whatever. :undecided

BugsyBrowne

izools wrote: »

Stupid HSBC...

Credit checked me for my current account application on the 17th... Called me on the 19th to say "By the way sir, we've approved you for a #1,500 credit card at 19.9% APR. Would you like it?"...

Said yes, letter arrived couple of days later saying "Thank you for your application which has been approved, please sign and return this credit agreement and your card will be with you in 5-7 working days"... had the APR and Limit confirm on the credit agreement.

So that was returned and I get a message on my online banking secure messages to say thanks for your credit card application, we've declined it based on CRA data...



So I got a copy of my CC, EQ, EX files - none of them show a search - only the one done on the 17th for a current account - so they obviously were referring to this data. The same data they had to hand when they called me and wrote to me to say I had been approved...

*Sigh*... Ah well. Don't really want or need another credit card anyway but wish they'd not written to me and called my lying

I never even applied for it anyway, they called and wrote to me offering it to me confirming I'd been approved. Whatever. :undecided

Oh well there's always sygma cards waiting for you to submit an application.

BugsyBrowne

ElkyElky wrote: »

One at a time? That'll take forever! :rotfl:

I just did this..


http://img534.imageshack.us/img534/4935/photoua.jpg (you'll see that the chips on the credit cards are more worn than the debit cards :rotfl:).

Scotland sucks, has always sucked and will always suck. I'm off the Toyota idea now. My parents are coming in to some money and they so generously want to buy me a Landrover so I'll see how that turns out.

I still fancy applying for that tesco card and getting rid of flybe

izools

star-fire wrote: »

Oh well there's always sygma cards waiting for you to submit an application.

Nah I'm cool without another Sygma card TBH.

Neither need nor want another credit card; it was bad enough calling Sygma to close my Silver and My World accounts only to hear racial abuse from the agents in the background against my motherland not going to resbject myself to that

Just wish HSBC hadn't lied to me both verbally and in writing is all. Am definitely raising complaint about it as I hold in my hand a letter stating

I am please to let you know that your application for an HSBC Bank Credit Card has been approved

Me no like being lieded to. Had enough of that from LTSB...

BugsyBrowne

izools wrote: »

Nah I'm cool without another Sygma card TBH.

Neither need nor want another credit card; it was bad enough calling Sygma to close my Silver and My World accounts only to hear racial abuse from the agents in the background against my motherland not going to resbject myself to that

Just wish HSBC hadn't lied to me both verbally and in writing is all. Am definitely raising complaint about it as I hold in my hand a letter stating



Me no like being lieded to. Had enough of that from LTSB...

Yeah don't blame you TBH,i want rid of sygma and am looking for balance transfer card,my experian credit file is A1 now as no searches in the last 6 months,no missed payments ever or late payments,but as we all know credit card companies of late are being very tight handing out credit.

Izools are you russian then?

izools

star-fire wrote: »

Yeah don't blame you TBH,i want rid of sygma and am looking for balance transfer card,my experian credit file is A1 now as no searches in the last 6 months,no missed payments ever or late payments,but as we all know credit card companies of late are being very tight handing out credit.

Izools are you russian then?

Haha! How'd you guess? Just trying to think of a cheesy phrase to coin from Red Alert 2 now but it's been so long I can't remember...

Born and bread in England tho.

Barclaycard are alright why not just keep that?

I suppose Egg might be an alternative if you want two cards; although with Citi going the way of the dinosaur what else is there? Halifax?