Sub Prime Credit Card Club

PROLIANT

Capital One Visa


Monument Visa


Vanquis Visa






Aqua MasterCard



MBNA Sub Prime Mastercard



Cash Plus Pre-Paid Master Card with £50 loan



Barclaycard Visa
http://www.barclaycard.co.uk/creditbuilder/index.html



Lloyds TSB Basic Bank Account

ShelfStacker_3

I asked for my Capital One card to be cancelled back on the 26th March. Yesterday I looked on my credit report and saw that it wasn't yet marked as settled... called them up and they haven't actioned the cancellation... GRR.

FWIW, Aqua kept pestering me about PPI and Vanquis were consistently excellent service-wise.

skyrider007

One complaint for Capital One Classic Card, they will not honour my request to change the card design (I wanted the one with the Earth picture) and they've sent a Tiger card (rather embarrassing to use in shops).

Otherwise I am happy with their online service, interest rate reduction and credit limit increase.

PROLIANT

Could have been worse, you could have got that little pink piggy thing lol. :rotfl:

londonuk2008

Dunno about subprime , but I have found that I have a standard Barclaycard with a interest rate of 29%! I have a Vanquis and that apr is less!Capital one is 29% . Now my plan is , I have just been accepted for a card (JJb) with an APR of 18.9% , dunno what the limit is yet , but thought about shifting the balance from one of the higher cards and then close .

PROLIANT

Yes I know, but these cards are targeted at people with poor credit ratings etc, well done on the JJB card, they knocked me back...suprise, suprise, anyway I hold a Capital One Classic @ 30% and a Monument Visa @ 26.6% and it appears that they are lower than different flavours of MBNA.

Tori_Bellatrix

PROLIANT wrote: »

Yes I know, but these cards are targeted at people with poor credit ratings etc, well done on the JJB card, they knocked me back...suprise, suprise, anyway I hold a Capital One Classic @ 30% and a Monument Visa @ 26.6% and it appears that they are lower than different flavours of MBNA.

Me too ... My Equifax file looked quite healthy as well ...

PROLIANT

Did you use your real name or your handle on MSE? :rotfl:

Tori_Bellatrix

PROLIANT wrote: »

Did you use your real name or your handle on MSE? :rotfl:

Duh! Real name silly ... :rotfl:

Tori_Bellatrix

Hey Proliant, I think you need to add the Halifax Classic Card as a contender. I know from other posts it doesn't accept adverse credit but it does help those building up a credit rating from scratch ...

PROLIANT

Tori_Bellatrix wrote: »

Hey Proliant, I think you need to add the Halifax Classic Card as a contender. I know from other posts it doesn't accept adverse credit but it does help those building up a credit rating from scratch ...

Hang on, back in 5 mins I will let you know...