The Sub Prime Credit Thread - Part V

never-in-doubt

sutton111 wrote: »

Just rang them up and they said mine is missing because it's new account. Niddy your spot on, it is 6 months and phone up they add one and then the link will appear, sometimes, it appears sooner.

I bow down to your knowledge!! :rotfl::rotfl:

Mate it just takes time for people to accept that I am the grandmaster of knowledge when it comes to most the banks :rotfl: :rotfl: :rotfl:

You can get off the floor now mate :rotfl:

sutton111

telecomengineer wrote: »

I might try them again, applied in January so will wait the full 6 months and try 1st week Aug? Hopefully they might be more willing this time round

Yeah I tried about 4 times before they accepted me, a little like HSBC, i kept bugging them too.

lol - have you copied my signature lay out :rotfl:

never-in-doubt

sutton111 wrote: »

Matt there is one bank which upgrades still. That's Abbey. It's quite a long process. Try opening an Instant Plus account, it makes the route shorter.

HTH

Ahh sorry mate, you mean santander - they are not a bank in my opinion ergo I never mentioned them!! :rotfl: :rotfl:

I thought he wanted to know about proper banks, not mickey mouse outfits!! :rotfl:

sutton111

never-in-doubt wrote: »

Mate it just takes time for people to accept that I am the grandmaster of knowledge when it comes to most the banks :rotfl: :rotfl: :rotfl:

You can get off the floor now mate :rotfl:

:rotfl::rotfl:

lol grandmaster!! I know you know loads about HSBC, that's for sure!!

Other than 1st Direct, out of the main high street banks, who scores the highest, or are they much of muchness?

sutton111

never-in-doubt wrote: »

Ahh sorry mate, you mean santander - they are not a bank in my opinion ergo I never mentioned them!! :rotfl: :rotfl:

I thought he wanted to know about proper banks, not mickey mouse outfits!! :rotfl:

:rotfl::rotfl:


I know they're useless, i'm going in finally on friday to shut my account there. Basically because they're crap, well compared to HSBC anyway

telecomengineer

sutton111 wrote: »

Yeah I tried about 4 times before they accepted me, a little like HSBC, i kept bugging them too.

lol - have you copied my signature lay out :rotfl:

Sorry Mate yeah copied your signature

never-in-doubt

sutton111 wrote: »

:rotfl::rotfl:

lol grandmaster!! I know you know loads about HSBC, that's for sure!!

Other than 1st Direct, out of the main high street banks, who scores the highest, or are they much of muchness?

FD and Private banking score harshest mate then its a free for all to be fair.

Barclays and co-op basics are easiest, HSBC and RBS are the hardest..... thats about that really! Personally, for you - keep hsbc and close all your others, you'll never need them mate. Wait the 6mth and then open a second account with hsbc and you'll get a second o/d if necessary too.....

I love them even though they give me a headache lol - cos I know there aint any better other than First Direct who keep calling me a tight arsey and won't give in to my seductive flirting! :rotfl:

never-in-doubt

telecomengineer wrote: »

Sorry Mate yeah copied your signature

Don't worry, knowing Sutton he nicked it from joe bloggs [STRIKE]round the corner[/STRIKE] at the gym in the first place :rotfl: :rotfl:

PROLIANT

PROLIANT wrote: »

Interesting, got bored last week and applied for a Capital One progress card, was accepted instantly online even though I closed my Class Visa only back in Feb this year.

Rang up and was told even though accepted has gone to underwriting and will hear in 7-10 days if accepted?

Anyway, a pin number landed on my door mat yesterday for a capital one card, so I phoned them up and asked about the card and limit, I was told that it was a World Mastercard with £100 limit?

Confused.com:doh:

Can anyone shed any light on this please?

telecomengineer

never-in-doubt wrote: »

Reason yours looks like that (same as mine did) is because you were allowed one when you were accepted for the account, but you never took it out did you?

I did, I took £500 on a/c 1 and £200 on a/c 2.....

I wasn't asked if I wanted one and didn't request one in case it lowered my chance of getting the account?

Is it worth applying for one or waiting? Does a decline lower the behaviour score...I am building it up nicely so far...salary paid in april, may & today average £2k per month, lots of debit card transactions, not gone under £500 balance, have a linked saver crediting £250 per month