The Sub Prime Credit Thread - Part V

kilasuit

costaerer wrote: »

Not me! I never sleep!
Can't be bothered calling lol, ill just wait for the letter as its less embarassing when they decline me

Have a read of this #363

So you best ring them and ask to speak to underwriting

costaerer

i thought you gotta speak to them within a day?

kilasuit

still ring them now the worst that could happen is that they say that the decision is a decline whereas if you dont ring them you can be about 60% that it'll come back as a decline.

I'm living proof that ringing them works. technically i should have had all my cards except silver decline. now got DAYS and MYworld

Do it!
Do it now!
01217126939

costaerer

why if you ring them it makes a difference?

kilasuit

#367

Explains it as told to me by the underwriter i spoke to just now and the one i spoke to when i got my days card

costaerer

kilasuit wrote: »

#367

Explains it as told to me by the underwriter i spoke to just now and the one i spoke to when i got my days card

huh?
i havent got any duplicate applications though.

kilasuit

Still Ring them rather than wait as if its a boarderline accept/decline speaking with you could just push it to an accept.

Even little things like an address mis-match will refer

So if i were you i'd speak with them and see what they say.

Then your not in limbo are you?

costaerer

ok i understand. what time do they shut?
just dont really understand why calling makes a diff

costaerer

just checking my credit report. there is no search on for sygma. but there is one yesterday for shop direct which was an additions account i applied for.

kilasuit

costaerer wrote: »

just checking my credit report. there is no search on for sygma. but there is one yesterday for shop direct which was an additions account i applied for.

you've checked equifax right?