The Sub Prime Credit Thread - Part V

costaerer

Kelz wrote: »

If I was to set up a dd could I choose to pay off some extra online as well, getting the minimum covered is good advice tho and covers any problems or late payment charges so thanks for the advice.
Kerry

yep! thats what i do....

BugsyBrowne

Just checked my experian no searches on there in the last 3 months,its looking pretty good,just going to wait until october and then might go for the tesco cc or might give the co-op a go..
Then get rid of my flybe and cap1..

Kelz

Thanks I think that's what I'll do then, set up for the minimum dd and pay off any extra I have with their online services, thanks for all your advice here
Kerry

Its-A-New-Age-Thing

Has anyone who got one ever been given a credit limit increase i know cif powers got one, just curious ive ran it flawlessly for over a year now,

onefortheroad_2

wasnt it offer as a bt card

Its-A-New-Age-Thing

onefortheroad wrote: »

wasnt it offer as a bt card

Kinda u had to get the followin letter this link will save time explainin it and you either got the letter or u didnt NOT somethin u could normally apply for etc, ull notice the addy is monuments old addy etc,

POINT IS allegedly its a proper credit card, and i can confirm it works exactly like one, they seem to be like capital one with there limit increases ive waited over a year so far just wonderin if ANYONE ever got one lol

www.balancetransferprogramme.co.uk/Index_files/Page346.html

sutton111

I opened my HSBC account back on the 8th of June and they still aren't reporting it to CRA's. How long does it take for them to set up accounts? Kilasuit has yours been set up on either Equifax or Experian?

kilasuit

Not on any of them atm. Sending a secure message to them to see if they can enlighten me as to why its not showing.

Found something rather bemusing out when i spoke to them on the phone when asking about when the account was opened.

The advisor said 8th april 2009. Thats when i made my first application. So i'm now thinking if i had rang up and spoken to someone on the phone and sent in ID i've had the account then.

sutton111

kilasuit wrote: »

Not on any of them atm. Sending a secure message to them to see if they can enlighten me as to why its not showing.

Found something rather bemusing out when i spoke to them on the phone when asking about when the account was opened.

The advisor said 8th april 2009. Thats when i made my first application. So i'm now thinking if i had rang up and spoken to someone on the phone and sent in ID i've had the account then.

Funny you said that, because they told me I opened my in February last year. It's says on their system i've been a customer since February 2009. How odd because I never got accepted until June 2010.

chexum

sutton111 wrote: »

I opened my HSBC account back on the 8th of June and they still aren't reporting it to CRA's. How long does it take for them to set up accounts? Kilasuit has yours been set up on either Equifax or Experian?

With my (non HSBC) accounts, I've found that they send updates (mostly) monthly dated the same day after the statement, but not necessarily on that day. So if they update on the 6th, and your statement on the 8th, it may take at least two more weeks before you'll see it. (And I've seen them missing a monthly update at a time).