Defaults gone, still not mainstream?

mr_will_i_am

star-fire wrote: »

Mate have you tried any of the Sygma card range, they are a bit of p*ss to get one of those?

Tried for one in November before the defaults came off: no joy: understand I have to wait 6 months to apply again otherwise automatic rejection

BugsyBrowne

mr_will_i_am wrote: »

Tried for one in November before the defaults came off: no joy: understand I have to wait 6 months to apply again otherwise automatic rejection

Who told you that cr*p, they have about 10 cards in their range, don;t apply for the same card again apply for a different one, I am full proof that this 6 months wait is bullsh*t.

mr_will_i_am

star-fire wrote: »

Who told you that cr*p, they have about 10 cards in their range, don;t apply for the same card again apply for a different one, I am full proof that this 6 months wait is bullsh*t.

Hmmm, thanks :T will have a go

BugsyBrowne

mr_will_i_am wrote: »

Hmmm, thanks :T will have a go

Try flybe,or silver credit card,you will find the creation card has the highest criteria so this card I wouldn't bother.

izools

Actually Flybe is higher scored than MyWorld.

Try MyWorld

https://www.your-application.co.uk/NetFinanceCertegyMicrosite/MyWorld/Welcome.aspx

Good luck! Let us know how you get on :beer: I reckon you're a shoe in

mr_will_i_am

izools wrote: »

Actually Flybe is higher scored than MyWorld.

Try MyWorld


Good luck! Let us know how you get on :beer: I reckon you're a shoe in

You were correct! :beer:

Thanks all!

izools

No worries. If you call them with the app reference (or even without it before 5PM) they can tell you the limit and APR you've been approved for.

Probably a grand. They aren't overly generous at Sygma.

Still. Well done! Welcome back to prime :beer:

mr_will_i_am

Sorry,
One more thing....should I get the Barclaycard initial as well, or stick with the Cap One and the "new" Sygma, along with the Current account with small unused OD?

Would three cards help or hinder my credit score? (Given they will be well below their limits and payed in full each month)

izools

Given you have opened a new account today with Sygma it wouldn't hurt to open a Barclaycard Initial, too.

You will find that for the next six months or so your score will be lowered as you have new credit commitments (Sgyma etc), that don't have enough account history for a prospective creditor to establish whether you can handle it / them responsibly yet.

If I were in your position I'd apply for the Barclaycard Initial and close the Cap one card if approved.

Not least because you've got nothing to loose having just opened a Sygma card anyway, but also because Barclaycard upgrade the Initial to Gold then Platinum with good customers.

It's a good long term card :beer:

Good luck! (Keep it at that for now, hold off looking at anything else for 6-9 months)

BugsyBrowne

izools wrote: »

Given you have opened a new account today with Sygma it wouldn't hurt to open a Barclaycard Initial, too.

You will find that for the next six months or so your score will be lowered as you have new credit commitments (Sgyma etc), that don't have enough account history for a prospective creditor to establish whether you can handle it / them responsibly yet.

If I were in your position I'd apply for the Barclaycard Initial and close the Cap one card if approved.

Not least because you've got nothing to loose having just opened a Sygma card anyway, but also because Barclaycard upgrade the Initial to Gold then Platinum with good customers.

It's a good long term card :beer:

Good luck! (Keep it at that for now, hold off looking at anything else for 6-9 months)

Unfortauntly Izools upgrading from barclaycard Initial to gold then to platinum has all finished, think it was about 2 months they brought this rule in.

Now you have to make a fresh application for different barclaycards.