Sygma Bank Credit Cards

Zack1

alfred64 wrote: »

Had JJB card for more than a year. No credit limit increase (never asked for one) and the interest rate was 24.9% until this increase.

Silver card £1000 limit - currently 0% - but due to end Sept when it will be 24.9%

My world £1614 limit (why the odd amount, I have no idea) @ 22.9%

Flybe £2600 limit @ 25.9% - My oldest sygma account - 21months.

All accounts managed well. I have never paid late or gone overlimit.

£1,614 haha!!

That seems really strange they've only given you £250 @ 29.9 if your oldest account has £2,600 and you have £2,500+ on your other 2!!

That's a good collection there though, hopefully that'll be me eventually! I can just see the card coming through with £100 so then up to £190, then 30% of that so up to £250ish etc, so it'll take a lifetime to get a decent limit and prove myself internally!

cocoloco

Hi everybody,
I read through this tread the last couple of days and thank you for your great advice on all Sygma CC related issues!
I have many CC, earn a decent wage (not that much) but all of them close to the end of credit- so I desperatly wanted a new one. I haven't applyed for one in about 12 months because I was fed up with being rejected!!! Oh, I have to also mention that my earning / credit facilty ratio is very bad- I think I owe about 2 times as much as my annual income (!). However there is no late / declined payments. After reading all your threads I thought that if any card will except me (except vanquis) that maybe this will be it! And guess what?
I have applied for the sygma Flybe card and got excpeted immediatly!!!!!!!!!!!!!!
Never in a million years did I think that it will happen! Of course not sure how much is teh credit limit (£100 LOL) but I do get 2 free return flyte to Europe so Bob is your uncle! I have clerify that That I'm registered on the electorate, I have been living in the same address for 5 years+, been with the same bank 10 years+ and worked for the same company for 9 years +.
:A 'THANK YOU' YOU LOVELY PEOPLE OF THIS THREAD!!! :A

PS- Is it still possible that they will decline me in a couple of days? I'm nervous now...

stephane_2

If it said your application was accepted then this is what it means, if you give them a call they'll also tell you your credit limit & apr if you don't want to wait...

Zack1

stephane wrote: »

If it said your application was accepted then this is what it means, if you give them a call they'll also tell you your credit limit & apr if you don't want to wait...

Yep, I called a short time ago (getting bored waiting for my mate!) they said I've got £200 @ 24.9%. Not too bad I suppose, considering I expected a rejection, but it'll be a lifetime to get up to a decent CL if they only ever give 30%, or can I speak to an underwriter and try and negotiate more? Like if I close my Cap1 will you give me £300 more rather than £90 or something like that?

Either way, at least I'm in the Sygma group now, hopefully they can accept me for a new card in a while....

tara1082

Ok so i have received a creation card with £8000 limit,i have heard of a super balance transfer which is where i can transfer funds from the card to my bank account,can i use the interest free period of 15 months with this card to do a super balance transfer as i would like to use this to clear my overdraft.
Thanks for any help.

izools

No Sygma do not support Super Balance Transfers.

You can only do this with Egg or MBNA group cards.

jay87

My DAYS cash withdrawal apr is 22.9%, 16.9% standard apr and 10% promotional balance transfers, the best of all my cards so I do think they offer to a broad range of different people which is good.

blerk

Hi, I applied for a Silver card on the 11th August, and got the 7-10 days message.

Is it too late to call the underwriters on Monday?

stephane_2

blerk wrote: »

Hi, I applied for a Silver card on the 11th August, and got the 7-10 days message.

Is it too late to call the underwriters on Monday?

I don't think that it would make any difference now....

PNPSUKNET

I didnt call the underwritters when I got reffered after the decline, myn was still accepted.