Is a Debenhams Santander CC sub prime?

Coupon_King

I started off rebuilding my credit rating last year with 2 sub prime cards: Capital One and then Vanquis. This month I applied for a Debenhams Store Card but was instead accepted for a Debenhams Credit Card issued by Santander.

Is this card considered sub prime?

[Deleted User]

Not particularly. But it's amongst the easier cards to get, from what I recall.

Rupert_Bear

Coupon_King wrote: »

I started off rebuilding my credit rating last year with 2 sub prime cards: Capital One and then Vanquis. This month I applied for a Debenhams Store Card but was instead accepted for a Debenhams Credit Card issued by Santander.

Is this card considered sub prime?

The card isn't but the APR certainly is.

BugsyBrowne

As above Santander defiantly are not sub-prime but some of their APR's have been at late.

Coupon_King

Thanks for info.

You're right about the APR, it's 24.9%. Though nowhere near the eye watering 34.6% on my Vanquis!

But I'm spending small, and paying off in full via DD every month.