Sygma Bank Credit Cards

costaerer

just checked credit report. shop direct. 6months all good. simply be , never even got account but showing 2 months good. lloyds tsb loan all green for 2 years apart from 1 late payment which was may 2009. rbs current account 4 years of greens. lloyds tsb credit card all green for 2 years and 1 late payment in december 2008.

and then theres my lloyds tsb unathorised overdraft which is screwing me up!!! march to dec 2009 AP, then jan 1 late payment, feb 2 late payments, march 3 late payments, then april and may showing AP.

do you think they will decline because of this, or the fact my credit card and shop direct has been good then may be nice ??

mrbigd

mrbigd wrote: »

Just applied for Creation Card and got immediately accepted, hope the limit is good for the £2.7K BT I need.

izools wrote: »

Congrats! Did you put the balance transfer details on the application?

Well BT for £2700 already cleared on my Capital One account, so credit limit given is at least £3000.

That's really quick, only applied on the 11th.

PNPSUKNET

sygma nicely gave me a 30% rise on my flybe today which is my statment date, been with them about 6 months. now £1300 was £1000

neil9313

Applied on the 8th July got card today, £2000 limit

I really have to much available credit but I got this card

BugsyBrowne

PNPSUKNET wrote: »

sygma nicely gave me a 30% rise on my flybe today which is my statment date, been with them about 6 months. now £1300 was £1000

They would of done that 2 months ago if you was to ask..

PNPSUKNET

dont really ever go upto past £1k anyway , always pay in full

kilasuit

star-fire wrote: »

They would of done that 2 months ago if you was to ask..

Wrong 3 months ago

We had this discussion before

Initial Increase is 3 months then every 4 months after that.

costaerer

just out of curiosity, quite a few of you have 'sub prime' credit cards only. is this because your new to credit, or have bad credit rating?

how long did you have 'good' credit before sygma accepted you~?

BugsyBrowne

costaerer wrote: »

just out of curiosity, quite a few of you have 'sub prime' credit cards only. is this because your new to credit, or have bad credit rating?

how long did you have 'good' credit before sygma accepted you~?

Think most of the people on here have actually had excellent credit b4 and some probably do now,but probably had money behavior issues before,and a lot of people now on this sub-prime group can get mainstream cards as well,but had to go through the sub-prime cards first to then go for lower apr prime cards..

costaerer

for some reason sub sub prime wont give me credit but sub prime will :-/ ie littlewoods, capital one....