Sygma Bank Credit Cards

Bosie

stephane wrote: »

When I applied for Creation credit card, it was well after 11.00pm and got accepted straight away...

Ah so my OH may have been referred, I know Equifax you can access your file even at 2am! Where as Experian it seems to go offline to update. You can access previous credit files you have stored.
So Sygma can always check with Equifax.

callum9999

izools wrote: »

Your capital one card has an APR of 34.9% - 30.4% is the simple interest rate, not the APR.

30.4/12=2.53

1.0253 ^ 12 = 1.349

(1.349-1)*100 = 34.9% which is your APR

Oh thanks - thats a bit sneaky of them! (not that it matters as I don't pay interest anyway - I thought 30.34 was a weird number to use!)

sutton111 wrote: »

With Capital One, (I think) you have to close the current one you have and re-apply for a different card.

As soon as you've closed it, you can apply straight away for a new Capital One card.

Thanks - I'll just leave it then. Hopefully I won't have a need for it if I get a decent limit on the flybe card.

rward69

hi

for info..i got the silver in Jan at 2K, the flybe in jan at £5k and about 2 weeks ago applied for the creation card and received it with a £5k limit.

all were approved online

R

sutton111

star-fire wrote: »

Sygma have now stopped customers talking to the underwriters..

On who's word?

I still think it depends on how forceful you are on the phone and which customer service operator you get.

Davewils

I just rung up and got told that "as i applied only yesterday, they wouldnt have any information for me yet".

TWINKLE-STAR_6

card has arrived with a £2000 limit, not bad, i think il take advantage of my 0% BT for 6months, im gonna to pay off another card i had and close that card, am i allowed to do that? just close it once ive paid it in full?

TWINKLE-STAR_6

rward69 wrote: »

hi

for info..i got the silver in Jan at 2K, the flybe in jan at £5k and about 2 weeks ago applied for the creation card and received it with a £5k limit.

all were approved online

R

so mean you applied for 2 cards in january? and got accepted?

i thought there might have to be a certain amount of time in between applying.

rward69

yes. that's correct both are valid from 01/10

TWINKLE-STAR_6

did you apply on the same day? or a couple of weeks between?

sutton111

Where has star fires posts gone?