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The Sub Prime Credit Thread - Part V

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Comments

  • jackjones01
    jackjones01 Posts: 553 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    I have just applied for a barclaycard initial and at the end it said congratulations you have been accepted and the card would be with me within 5 days. Is there still a chance the buggars still might decline me?
  • hello2007
    hello2007 Posts: 462 Forumite
    Nuclear_Themes wrote: »
    Have you asked for one? There's an area on the Barclaycard site to do that.

    No I will just wait and see if they decided to give me one.
  • hello2007
    hello2007 Posts: 462 Forumite
    jackjones01 wrote: »
    I have just applied for a barclaycard initial and at the end it said congratulations you have been accepted and the card would be with me within 5 days. Is there still a chance the buggars still might decline me?

    Thats a firm yes I got that and they sent my card to me.
  • boogiemaster
    boogiemaster Posts: 912 Forumite
    You've been accepted so just wait five days and use the card wisely :)
    I'm not poor i'm just skint
  • jackjones01
    jackjones01 Posts: 553 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    boogiemaster wrote: »
    You've been accepted so just wait five days and use the card wisely :)

    Thats great news I can get rid my horrible vanquis card now then :D
  • hello2007
    hello2007 Posts: 462 Forumite
    jackjones01 wrote: »
    Thats great news I can get rid my horrible vanquis card now then :D

    The Vanquis card can go in the bin now.
  • jackjones01
    jackjones01 Posts: 553 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    hello2007 wrote: »
    The Vanquis card can go in the bin now.

    What are barclays credit limits like for a newbie like myself?
  • alfred64
    alfred64 Posts: 5,055 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Tells me I have a 90%+ chance and then turns me down.

    !!!!!!.
  • jackjones01
    jackjones01 Posts: 553 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    alfred64 wrote: »
    Tells me I have a 90%+ chance and then turns me down.

    !!!!!!.

    I think that pre application check is very random. It told me I had 70-80% chance of acceptance. But I have just been accepted online for there initial card :D
  • Zack1
    Zack1 Posts: 1,433 Forumite
    alfred64 wrote: »
    Tells me I have a 90%+ chance and then turns me down.

    !!!!!!.

    Gotta love their pre-app check, it's complete rubbish! Also, does it not cost them money to process full applications - credit search etc? So why do they encourage people to apply then decline them!? If they MADE money for an application then fair enough (as "moneysupermarket" etc do - and rate you stupidly highly to encourage you to apply) but can't understand them!

    I'm going to request an increase after 6 months - not sure how far to push it though... 1k, £1,250... 1.5k???
This discussion has been closed.
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