Sygma Bank Credit Cards

stephane_2

If you are accepted then they'll send the card(s) directly followed by the pin a few days later. The only time that they might ask you to sign again the agreement if they require proof of address from you, which happened to me the first time.

costaerer

I hope I get something tommorrow even if it's a decline letter! The anticipation is killing me!

sutton111

costaerer wrote: »

I hope I get something tommorrow even if it's a decline letter! The anticipation is killing me!

I don't know why you never gave them a ring, you would of known straight away and then could of moved on.

costaerer

That's cos your all eager !! My life won't change either way .....

sutton111

costaerer wrote: »

That's cos your all eager !! My life won't change either way .....

lol

I know, we're so impatient!! :rotfl:

costaerer

New credit cards are nicest I even like it when they expire and get replaced! Not even activated my cap1 progress with the fabulous £300 credit limit. Is there a time scale?

costaerer

Also if you spend on a card and pay it off before your bill date will it still be classed as an on time payment?

fawinds

izools wrote: »

You should call Aqua and ask for a limit uplift. They will do this after six months as long as the account has been kept in good order

Nope, they haven't. I have been paying every single Aqua bill in full for 9 months, never went over the limit, yet no increases. I asked online for an increase to 500 and they said they will look into my account by the 12th statement.

Capital One gave me 200 and increased to 400 last month (4th statement).

I am considering a new application to Sigma, but not sure whether to do it by September or wait till November, when my credit report will show 12 months with Aqua and, who knows, an increase in the limit.

Wednesday

Well I applied for the Flybe card exactly 7 days ago today.

The card and £2000 limit has just arrived in the post! This in spite of me being deemed over-committed (I am!) by normal high street lenders.

Only problem is that I wanted to transfer a balance and the BT rate on the letter shows as 18.9% The card isn't a lot of use to me unless I can do the BT, to be honest.

Is this normal for Sygma? I only applied for the card in the hope of reducing interest payments on another card. Should I call them up and ask for a deal?

sutton111

fawinds wrote: »

Nope, they haven't. I have been paying every single Aqua bill in full for 9 months, never went over the limit, yet no increases. I asked online for an increase to 500 and they said they will look into my account by the 12th statement.

Capital One gave me 200 and increased to 400 last month (4th statement).

I am considering a new application to Sigma, but not sure whether to do it by September or wait till November, when my credit report will show 12 months with Aqua and, who knows, an increase in the limit.

TBH 3 more months won't make a hugh difference as I applied for a Silvercard after only having my Capital One card for 3 months. Give them a try.

What other nasties do you have on your Equifax file?