Sygma Bank Credit Cards

sutton111

star-fire wrote: »

Sutton then phoned them up again,they said you should of received your card by now,so i said so have i been accepted they said yes you have sir,i then replied what is my credit limit and apr please,he then replied 24.9% £750 limit,i then replied you have just wasted your time sending that card out mate,he said why,i replied that is going straight in the bin when it arrive on my door step,can i cancel that right away please,so got my hopes up for a nice limit what did i get stupid limit & apr..

Shall I try again in the morning or just wait?

BugsyBrowne

sutton111 wrote: »

Shall I try again in the morning or just wait?

Yeah try them in the morning mate..

stephane_2

star-fire wrote: »

Sutton then phoned them up again,they said you should of received your card by now,so i said so have i been accepted they said yes you have sir,i then replied what is my credit limit and apr please,he then replied 24.9% £750 limit,i then replied you have just wasted your time sending that card out mate,he said why,i replied that is going straight in the bin when it arrive on my door step,can i cancel that right away please,so got my hopes up for a nice limit what did i get stupid limit & apr..

They only seems to give you £750 limit or there about...why don't you keep it, the search is already there, you'll get an increase in a few months time, you've got it and I really think that you might as well keep it. Why did you not try for the creation card instead?

BugsyBrowne

stephane wrote: »

They only seems to give you £750 limit or there about...why don't you keep it, the search is already there, you'll get an increase in a few months time, you've got it and I really think that you might as well keep it. Why did you not try for the creation card instead?

TBH stephane i think i probably would of done if they would of give me a lower APR,£750 with say 19.9% think i would of kept but its twice they have now gave me a £750 limit on there cards,silly me i went for the my world card as my mate got a nice limit with it ,so thought i would try me luck,as for the creation card don't think i would have much chance now after my to many applications day i done..

sutton111

stephane wrote: »

They only seems to give you £750 limit or there about...why don't you keep it, the search is already there, you'll get an increase in a few months time, you've got it and I really think that you might as well keep it. Why did you not try for the creation card instead?

Yea I agree with that because if you have it for 12 months and your start limit was £1000, if you keep up repayments it'll be £2100 within a year. That's not bad at all imo.

sutton111

star-fire wrote: »

TBH stephane i think i probably would of done if they would of give me a lower APR,£750 with say 19.9% think i would of kept but its twice they have now gave me a £750 limit on there cards,silly me i went for the my world card as my mate got a nice limit with it ,so thought i would try me luck,as for the creation card don't think i would have much chance now after my to many applications day i done..

Do you think your APR is 24.9% because of the searches you have?

BugsyBrowne

sutton111 wrote: »

Do you think your APR is 24.9% because of the searches you have?

Yes mate i am stupid really,i have good credit history,never miss a payment,never had a ccj or any thing like that,but just keep getting sticky fingers on the old apply submit button..
That is why i am going to apply for something on experian in a couple of months i now have no searches on there in the last 3 months,for me that is good..

sutton111

star-fire wrote: »

Yes mate i am stupid really,i have good credit history,never miss a payment,never had a ccj or any thing like that,but just keep getting sticky fingers on the old apply submit button..
That is why i am going to apply for something on experian in a couple of months i now have no searches on there in the last 3 months,for me that is good..

lol

Me too, I can't stop applying either.

BugsyBrowne

Company Name / Insight Account Number Account Type Terms Start Balance Current Balance
Sygma Bank Uk Limited (I) / XXXXXXXXXXXX6252 Credit Card 0 @ £ 0 (Monthly) £ 0 £ 0
Status Credit Limit Date Updated Start Date Date Last Delinquent Date Satisfied Default Date Default / Delinquent Balance
Settled £ 750 09/05/2010 15/04/2010 16/04/2010 £ 0
Payment Amount Previous Statement Balance Cash Advance Amount Number of Cash Advances During Month Credit Limit Change Minimum Payment? Promotional Rate

Credit Card History
Month 1 2 3 4 5 6 7 8
Credit Limit £ 750
Statement Balance
Payment Amount
Month 9 10 11 12 13 14 15 16
Credit Limit
Statement Balance
Payment Amount
Month 17 18 19 20 21 22 23 24
Credit Limit
Statement Balance



Company Name / Insight Account Number Account Type Terms Start Balance Current Balance
Sygma Bank Uk Limited (I) / XXXXXXXXXXXX9354 Credit Card 0 @ £ 0 (Monthly) £ 0 £ 0
Status Credit Limit Date Updated Start Date Date Last Delinquent Date Satisfied Default Date Default / Delinquent Balance
Settled £ 1,000 09/05/2010 21/04/2010 21/04/2010 £ 0
Payment Amount Previous Statement Balance Cash Advance Amount Number of Cash Advances During Month Credit Limit Change Minimum Payment? Promotional Rate

Credit Card History
Month 1 2 3 4 5 6 7 8
Credit Limit £ 1,000
Statement Balance
Payment Amount
Month 9 10 11 12 13 14Payment Amount

These are the last 2 cards they gave me which you can see canceled straight away

carol01