The Sub Prime Credit Thread - Part V

izools

Good sign. They want to sell you insurance and try to flog you a cash advance into your current account at ridiculous prices. Don't worry, they'll call again.

Just say "NO" to everything they offer and then thank them when they say you've got the card Which they will do

samwsmith1

izools wrote: »

Good sign. They want to sell you insurance and try to flog you a cash advance into your current account at ridiculous prices. Don't worry, they'll call again.

Just say "NO" to everything they offer and then thank them when they say you've got the card Which they will do

Ahh, ok
Looking good then.
I wouldn't want anything they were trying to sell anyway!

Gillianh2

:rotfl:Well 4th Statment from Vanquis arrived yesterday and no Credit Limit Increase:(:( And I been a really good girl, paid them lump sums and the minimum Never mind just have to wait and see what happens.:) Hoping that come the New Year I might be able to get a different card.:A:A (mmm and pigs might fly roflol)

On a much lighter note had a Till Assistant today practically beg me to open a M&S card, now ususally I dont take much persuading, but today I just wasnt in the mood to bump up Staff Morale and give them all a good belly laugh:rotfl::rotfl::rotfl: So I did my best Hycainth Bouquet voice and said Credit Card Moi NEVER:rotfl::rotfl: If only she knew Vanquis only accpeted me coz I had applied that often I had my own page with them:rotfl::rotfl:

izools

Gillianh2 wrote: »

:rotfl:Well 4th Statment from Vanquis arrived yesterday and no Credit Limit Increase:(:( And I been a really good girl, paid them lump sums and the minimum Never mind just have to wait and see what happens.:) Hoping that come the New Year I might be able to get a different card.:A:A (mmm and pigs might fly roflol)

On a much lighter note had a Till Assistant today practically beg me to open a M&S card, now ususally I dont take much persuading, but today I just wasnt in the mood to bump up Staff Morale and give them all a good belly laugh:rotfl::rotfl::rotfl: So I did my best Hycainth Bouquet voice and said Credit Card Moi NEVER:rotfl::rotfl: If only she knew Vanquis only accpeted me coz I had applied that often I had my own page with them:rotfl::rotfl:

Lol good on ye, I might try that some time. If you're offered a credit card again you could still go with the Hyacinth Bouquet laugh but say "No thank you dear, if I want to spend anyone's money it will be my own not the bank's".

Hey and I had my Vanquis account for a whole year no limit increase but run very well in line with their tips and suggestions but nada.

Halifax Aqua card happily increased my limit though as did Sygma so hopefully you'll be able to move on to a slightly-less-sub-prime card next year

sutton111

noah271007 wrote: »

Here is my new BMI card......

Why do people want AMEX? Is it the air miles?

sutton111

izools wrote: »

Lol good on ye, I might try that some time. If you're offered a credit card again you could still go with the Hyacinth Bouquet laugh but say "No thank you dear, if I want to spend anyone's money it will be my own not the bank's".

Hey and I had my Vanquis account for a whole year no limit increase but run very well in line with their tips and suggestions but nada.

Halifax Aqua card happily increased my limit though as did Sygma so hopefully you'll be able to move on to a slightly-less-sub-prime card next year

Vanquis are so bizarre, they always decline me, i've applied about 6 times and each time I get told to sod off. Odd company IMO.

BugsyBrowne

sutton111 wrote: »

Vanquis are so bizarre, they always decline me, i've applied about 6 times and each time I get told to sod off. Odd company IMO.

I bet your glad vanquis keep turning you down..

sutton111

star-fire wrote: »

I bet your glad vanquis keep turning you down..

Oh yes!

I'll never apply for a card of theirs again. I'm after a Barclaycard or a HSBC credit card in 5 months time.

I may appeal the Barclaycard decision and see what they say. Can I appeal a score decline?

DarkFallout

declined by vanquis today ... will not apply for anything in the next 3 months ...

sutton111

BTW Do HSBC update their systems at 6pm? I seem to get a lot of card payments coming out after 6pm.