Sygma Bank Credit Cards

selecta_c

Closed my Flybe and Silver accounts this month.

Thought Sygma may have offered me some promotional deal not too but they didnt.

chanz4

they have been trying to get me to have cash advances, flybe 0% for 9 months with no fee, silver 1% fee

izools

Well,

Called Barclaycard tonight and they said I've been declined. He read out the Decline letter thats being sent out and it didn't have anything about credit score, adverse data, or "you may wish to contact Equifax" in it; simply that I do not meet their "Criteria". The last time I was declined for a Barcaycard they specifically said I should get a copy of my EQ file so this one was different.

Sending them an appeal, will see how it goes

Failing that I might give it another bash around Christmas - my Loan account is only six months old, after all.

callum9999

chanz4 wrote: »

they have been trying to get me to have cash advances, flybe 0% for 9 months with no fee, silver 1% fee

I got a fake invitation to the royal wedding from them saying something like "you may not be invited to the wedding, but if you need some extra cash to pay for the celebrations..." then tried to convince me to withdraw money from ATMs!

I guess they are just after the interest - I was forever getting credit card cheques sent to me by Vanquis.

Atom

izools wrote: »

Well,

Called Barclaycard tonight and they said I've been declined. He read out the Decline letter thats being sent out and it didn't have anything about credit score, adverse data, or "you may wish to contact Equifax" in it; simply that I do not meet their "Criteria". The last time I was declined for a Barcaycard they specifically said I should get a copy of my EQ file so this one was different.

Sending them an appeal, will see how it goes

Failing that I might give it another bash around Christmas - my Loan account is only six months old, after all.

Hey head up - first direct declined me, i have a satisfied default and 4 searches in 6 months now maybe it was one of them who knows, but i always have a hefty balance and good income and the rest of my credit file is good.

Now im not applying for anything until September/October when my default drops off - see if i have any luck then.

naijapower

I also got a fake invitation to royal wedding with a reminder to take out cash...Seems a desperate way to get one into more debt and perhaps make money for themselves via interest charges

BugsyBrowne

izools wrote: »

Well,

Called Barclaycard tonight and they said I've been declined. He read out the Decline letter thats being sent out and it didn't have anything about credit score, adverse data, or "you may wish to contact Equifax" in it; simply that I do not meet their "Criteria". The last time I was declined for a Barcaycard they specifically said I should get a copy of my EQ file so this one was different.

Sending them an appeal, will see how it goes

Failing that I might give it another bash around Christmas - my Loan account is only six months old, after all.

Don't take this personally izools but didn't think you would get it..

pearls_of_wisdom

izools wrote: »

Well,

Called Barclaycard tonight and they said I've been declined. He read out the Decline letter thats being sent out and it didn't have anything about credit score, adverse data, or "you may wish to contact Equifax" in it; simply that I do not meet their "Criteria". The last time I was declined for a Barcaycard they specifically said I should get a copy of my EQ file so this one was different.

Sending them an appeal, will see how it goes

Failing that I might give it another bash around Christmas - my Loan account is only six months old, after all.

Was this the initial card you have been declined on or next card up, as i don't know if i'm imagining this but weren't you 80/90% likely to be accepted as posted on another thread i did pre check and was 70/80% (didn't apply), so with your experince in these matters if you had a decline
i've probably got no chance of even initial card any instinct on why you have been declined many thanks,

izools

Star-Fire - yeah, ta. Although they only searched Equifax with me, nothing on Experian showing, so they won't have seen any adverse whatsoever. Just six years of green 0's on EQ.

pearls of wisdom - it was the Platinum Simplicity I applied for, the top one, 70-80% chance of acceptance it said.

I would say the reasons for decline were:

> two searches in last six months (Virgin Media & ...Virgin Media. Disputing the duplicate but dragging)
> All my active credit accounts are about six months old, I have none still open that have been open for a while - closed all my credit cards a few months ago

I will try again in six months - as I now know they won't seach experian - I think I will stand a much better chance with no searches in the last six months and with 12 months of payment history behind me on my loan account with Zopa; only took it out in October so they're probably worried about lending to me until there's more payment history on it.

Back to not applying for six months then - not applying to anything that searches EQ anyway. I'll try for the HSBC credit card again in May. They only search EX. Will see how it goes

Zack1

Not application related, but I got a set of 2 for 1 vouchers from Sygma (4 of them with 1 statement!) the other day. As my Sygma limit is appalling, 80 odd quid can't come off the card when I use them - will I get away with using the vouchers with another Mastercard or will it flash up when we pay that they weren't issued for that card?

The barcodes are short and all the same, so I'm assuming they aren't linked to my account, but anyone know if they're linked to Sygma/Creation or Mastercard?? If it's the latter I guess I can use any of my other Mastercards and it'll be fine....