Nationwide soft quote check.......

BugsyBrowne

Sheriffsam wrote: »

am i right in thinking that anything over about £2500 as a limit is pretty good?

Not necessarily its depending on your credit files, obviously if someone's got late/missed payments defaults etc although it gives high limit on the quote it will be a decline.

Sheriffsam

BugsyBrowne wrote: »

Not necessarily its depending on your credit files, obviously if someone's got late/missed payments defaults etc although it gives high limit on the quote it will be a decline.

I just got a quote for £2800 on 19.9% on the quote and thought what the hell and bit the bullet. I got accepted even though i have a missed payment showing within the last 12 months. My score is pretty high though, so maybe that helped.

Im pretty chuffed. They just need ID for me and they will send me the card!

BugsyBrowne

Sheriffsam wrote: »

I just got a quote for £2800 on 19.9% on the quote and thought what the hell and bit the bullet. I got accepted even though i have a missed payment showing within the last 12 months. My score is pretty high though, so maybe that helped.

Im pretty chuffed. They just need ID for me and they will send me the card!

Your so called score wouldn't have anything to do with it as its just money grabbing tool CRAs like to sell to the public.

No one has an individual credit score as each lender is different.

Harman83

Went for it and got accepted 5500 limit with a 0 percent balance transfer deal for 20 months......really surprised, apparently I just need to sign the agreement which will arrive in the next couple of days then send it back with some Id and its all done. Still can't believe it and keep thinking they are still gonna reject me but he said on the phone it's all done wowza!!!!!

sistafromanothermista

Well done Harman :beer:

Sarahuk123

Just wondering I did a soft quote for nationwide and got £1000 with 15.9 apr what's my chances I clicked nexted and it asked for direct debit details ?? Thanks

Sheriffsam

Harman83 wrote: »

Went for it and got accepted 5500 limit with a 0 percent balance transfer deal for 20 months......really surprised, apparently I just need to sign the agreement which will arrive in the next couple of days then send it back with some Id and its all done. Still can't believe it and keep thinking they are still gonna reject me but he said on the phone it's all done wowza!!!!!

What did it say when you applied? "Accepted in Principle"?

Thats what i got and they asked me to do the same thing. As long as we provide the ID and sign the documents, does this mean we are definitely accepted or can they still decline us?

BugsyBrowne

Sheriffsam wrote: »

What did it say when you applied? "Accepted in Principle"?

Thats what i got and they asked me to do the same thing. As long as we provide the ID and sign the documents, does this mean we are definitely accepted or can they still decline us?

Accepted in principle with nationwide is acceptance.I got accepted Friday and had it confirmed by phone today that my credit card is now open and shall drop through the door anytime soon.

Although 99% sure I signed aggrement online.

Sheriffsam

BugsyBrowne wrote: »

Accepted in principle with nationwide is acceptance.I got accepted Friday and had it confirmed by phone today that my credit card is now open and shall drop through the door anytime soon.

Although 99% sure I signed aggrement online.

Yes, i thought i signed something online too, very strange. Fingers crossed this comes through. If it does, after about 8 years, i will be part of the prime team again!

I hope I get something through the post soon, although I called them to pre-empt what they wanted and have been told i can take the proof to a branch for them to send off for me. Hopefully this will speed things up so i can get back on track!

BugsyBrowne

Sheriffsam wrote: »

Yes, i thought i signed something online too, very strange. Fingers crossed this comes through. If it does, after about 8 years, i will be part of the prime team again!

I hope I get something through the post soon, although I called them to pre-empt what they wanted and have been told i can take the proof to a branch for them to send off for me. Hopefully this will speed things up so i can get back on track!

I defiantly didn't get asked to take ID or proof in.