Capital One

hayton2k3

tigerlily44 wrote: »

Right, today I have received a letter asking for proof of my date of birth, which I have no problem in providing. In other poster's experience does this mean acceptance? Although as far as I know my date of birth is on my Experian file - am having problems accessing my Equifax file at present.

thanks
tiger

GF had to send 3 forms of proof away. Sent it back and recieved pin and card before info was sent back to us. Took less than 1 week for card and pin and 10 days for details back

tigerlily44

hayton2k3 wrote: »

GF had to send 3 forms of proof away. Sent it back and recieved pin and card before info was sent back to us. Took less than 1 week for card and pin and 10 days for details back

That sounds good then...what was the limit if you don't mind me asking?

tiger

book12

izools wrote: »

Indeed the Barclaycard Initial is harder to get than the Capital One Classic, however just because they have a minimum limit of #200.00 doesn't mean that's what you'll get - my flat mate was given #1000.00 starting limit on his cap one classic despite never having held a credit card before

Probably his income/outgoings as well as salary was good, and got a £1000 starting limit... I think those criteria's are weighted the most when doing credit scoring.

Also, why is Barclaycard Initial is harder to get? You are making me worried now, as I might get declined...

tigerlily44

I've read that the Barclaycard Initial is the hardest of the four 'subprime' ones to get - so I'm not surprised really. I'd quite like to know why too

tiger

izools

Because it comes with the lowest APR

tigerlily44

izools wrote: »

Because it comes with the lowest APR

That'll be why then

Seriously though, I tried that let me choose thingy and I didn't come up with anything! This is with a income of £40k, a mortgage and no adverse!

Go figure!
tiger

SnowTiger

star-fire wrote: »

You have been accepted, would put money on it, ime going to look a t*t if you do get rejected though..

Does your crystal ball tell you what Saturday's lottery numbers will be? Wanna share the info? :rotfl:

hayton2k3

tigerlily44 wrote: »

That sounds good then...what was the limit if you don't mind me asking?

tiger

a scabby £200

tigerlily44

hayton2k3 wrote: »

a scabby £200

Thanks, thought it might be low - still its the first step to bigger and better things isn't it (if it happens _pale_ )

tiger

tigerlily44

Was just reading through the letter again before sending off my ID by recorded delivery this morning and it has a 16 digit number as the reference number - could this be the credit card number? Anyone know what Capital One cards start with (or isn't it as simple as that?)

thanks
tiger