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The Sub Prime Credit Thread - Part V
Comments
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They had to call my branch to ask
It's odd, they've got a pre-app limit of £1,600 for Overdraft but £0 for loan or credit card... hmm... They also said I could have a Platinum account if I wanted. No ta, not with those fees!
I'd want Gold. I've spoken to the lady who opened mine, and she said it takes 1 calendar month to update the risk bands on accounts. 17th of the month or something.
How did you get it removed then? Showed them your Equifax file?0 -
How did you get it removed then? Showed them your Equifax file?
Yup. They faxed it through to the a/c holding branch and they did something with some credit department and hey presto!
Won't take advantage of it though, don't want a bigger OD.Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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Yup. They faxed it through to the a/c holding branch and they did something with some credit department and hey presto!
Won't take advantage of it though, don't want a bigger OD.
Good one!!
So how long have you been with them and what advice would you offer to me to help me in the future with them.
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Just wondering what my chances are of getting a credit card. I'd prefer a prime crad with a 0% balance transfer (i earn 18k so not enough for the Sygma Creation one). But my credit score took a bit of a battering in the past, is recovering nicely now but i'm not sure if i'd get a Prime, or even a decent sub-prime, card.
Heres my credit file stats:
Amount of total credit used : 70%
Credit Limits: HSBC O/D £1500, HSBC Gold Card £2000, Natwest O/D £600, Egg Card £720.
Earnings: £18k
All accounts have never had a late payment in several years.
No Defaults or CCJ's or anything of the like.
2 credit checks in the last 6 months (but 3 including a Post Office Identity check which for some reason has registered on my Experian files as a hard search!)
On electoral roll as of this month
At current address for last 6 months, accurate record of all previous addresses (4 previous in total, having graduated from university last year).
Thats all the important stuff I think, Just to mention (and i know it's just a number and doesnt neccassarily help much) but my Excredit score was 822 BEFORE i was on electoral role and one of the searches past the 6 month mark, so it should be alot better now.
So, what are my chances of getting a new card?0 -
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Well I am just waiting for Lloyds bank to process my documents then I will be moving over to them, this whole internal scoring system seems cool.
The best thing about them is I can phone my local branch on a local geographical number and speak to a human.:)Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.0 -
never-in-doubt wrote: »Close the account and stick with HSBC - that is free advice and factually the best right now! :rotfl: :rotfl: :rotfl:
:rotfl:
I'm sticking with HSBC, but for future reference it's good to know!!
lol
I know you've had your "issues" with Lloyds, but you've been very loyal with HSBC even after the problems you've had with them too.
Any futher problems with aron recently? lol :rotfl:0 -
Well I am just waiting for Lloyds bank to process my documents then I will be moving over to them, this whole internal scoring system seems cool.
The best thing about them is I can phone my local branch on a local geographical number and speak to a human.:)
Where did you get that number from saynoto0870?
So did you not find Natwest that good?0 -
Well I am just waiting for Lloyds bank to process my documents then I will be moving over to them, this whole internal scoring system seems cool.
The best thing about them is I can phone my local branch on a local geographical number and speak to a human.:)
HSBC offer the same mate! Internal based behaviour score and local rate numbers with people in the UK! I'd rather eat the devils noob than go near Lloyds, they are a law unto their own and should (with any luck) be totally asset stripped and sold into pieces for the likes of proper banks such as Virgin/Tesco to buy up and turn around.
They are dire - all of a sudden you'll apply for something, they'll decline you and add a CPD marker OR worse, close your account then write and let you know after you're overdrawn etc.
PLUS they do credit search you, they use footprints - whoever says they don't talks nonsense, all banks do! HSBC use call credit if you've already been preapproved (behaviour score) and Lloyds use Experian for the same. 2010 - year of the troll
Niddy - Over & Out :wave:
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