The Sub Prime Credit Thread - Part V

elfen

!!!!ing hell!

Just got a text from Vanquis, they've raised my credit limit to £1k from £250.....took them 7 or 8 months....

costaerer

star-fire wrote: »

Still think the cap progress is a waste of time though TBH,it means you now have to wait until 2012 for them to decrease your apr to 19.9% apr,but basically if you keep your report in order within the next 12 months you could apply for a card with a better apr than 19.9% anyhow..

yup it is lol! oh well might not activate it....

really want the sygma silver card

costaerer

elfen wrote: »

!!!!ing hell!

Just got a text from Vanquis, they've raised my credit limit to £1k from £250.....took them 7 or 8 months....

congratz

elfen

Definitely did NOT expect that on a Friday afternoon.

Bosie

My OH got a reply today as to why he was declined a card with Santander; the reasons being too many searches, they mentioned over 12 month's. He has had 8 in 12 month's, then his limits on other cards!
I had a feeling it'd be a NO as he's using 55% of his available credit.
He did have to write in to them, as the automatic decline was pretty vague.

I never used to think too much about the searches and the effect, so according to them even 8 in a 12 month period is too much:eek:

Ellbubb

Just got " we will let you know in 10 days " message from argos on their card ( i know its a store card ), Anyone else got one or know how they are on acceptance with people with a settled default ?.

sephrenia

I think i've finally confused myself (not hard I know, so stop sniggering brian!)

I signed up at JD Williams fully intending to use only my debit card to buy something and it tells me that I have £150 available to spend subject to further checks.

Have I been a complete and total t!t and signed up for credit rather than just an account type thing that keeps your details on file to make shopping faster?


Assuming I've gone down the t!t route, what are JD Williams like? Is it worth keeping regardless of it being a mistake and treating carefully like the cap one card or shall I cancel immediately?

And I know I sound like a complete idiot but I've just had an abcess drained in my face so I'm not up to speed today.



Thanks in advance everyone and huge smoochies

BugsyBrowne

costaerer wrote: »

yup it is lol! oh well might not activate it....

really want the sygma silver card

If you can can get the progress card can not see no reason why silver will not accept you,if you don't have many searches apply for the silver card if you already haven't..

costaerer

i have had quite a few searches.
also got littlewoods account and orange mobile contract within last 6months....

the only reason my credit history is not so gr8 is my wife running up an unauthorised overdraft which is showing AP on my credit file.

fairmorn308

evening all

Not been on here for a wee while now. My firect direct card turned up, Got a email from barclaycard saying the cards i have had with them for only 3 months is getting reduced. From £1000 to £650 what a bunch of !!!!ing !!!!!! :@

Also need to look for a new place to live pretty quick. Also when i do find i need to fully equip out the house as i have nothing of my own