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M&S Credit Card & HSBC Holdings plc

flush_the_hamster
flush_the_hamster Posts: 139 Forumite
Part of the Furniture Combo Breaker
in Credit cards
Hi,

Many a year ago I had to go insolvent - soldiered through and completed the IVA. I know my credit rating is ok now for various reasons but that isn't the issue.

I was looking at the M&S card as it has 15months 0% on purchases- however, looking at the t&c's, i believe that it is 'run' by HSBC. Now HSBC were one of creditors back in the day - so is there any point in myself applying?

Thanks for any advice.
Don't tell them your name, Pike! :D

Comments

  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    How many years ago,,,,?
  • flush_the_hamster
    flush_the_hamster Posts: 139 Forumite
    Part of the Furniture Combo Breaker
    completed oct 2009
    Don't tell them your name, Pike! :D
  • thecableguy12
    thecableguy12 Posts: 290 Forumite
    ok wont work they will look at past history, tried with natwest got an accept online then decline later, why not just try?
    Aqua card - £250 Limit up to date, Jd Williams £150 limit up to date, Argos store card £400 limit up to date, Next £300 limit up to date.:beer:
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    Dont know about HSBC but Cap One were included in my bankruptcy three years ago and happily gave me another card since (Progress) :o

    Good Luck :beer:
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I think you will find it difficult until 2015 to get credit.
  • jen245
    jen245 Posts: 1,606 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    edited 9 March 2011 at 9:17PM
    With an IVA, the 6 year thing starts from when the IVA was agreed, so if OP completed his IVA in Oct 2009, and assuming the IVA ran the full 5 years, OP's credit report should be clear now, as all the defaults should have dropped off (provided all the defaults pre-dated the acceptance of the IVA, which they should!)
    Debt free and staying that way! :beer:
This discussion has been closed.
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