Sub Prime Credit Card Club

sscott5581

Justy wrote: »

Applied for an Aqua Card the other day and rejected immediately. Tempted to appeal but am thinking of opening a Halifax bank account so might go that route instead.

Do Halifax Current Acounts report to any Credit Agencies?

I have recently opened the Halifax Ulitmate Reward Account and have £250 overdraft, Halifax have reported account conduct to all three CRA's.

Regards
Steven

Richard20_2

I got my increase on my capital one card yesterday

emmy05

darcyvuqua wrote: »

im the only leper in this village

(thought i would be like little britain seeing as im welsh hehehehe)[/quote

you dont wear the same get-up as him do ya? lololol

emmy05

Richard20 wrote: »

I got my increase on my capital one card yesterday

well done, how long have you had it for? x

thatboydean

Hi all

After having a student barclaycard for 9 months in 2006

I applied for capitalone last year this time and was accepted. £200 limit increased to £500 on 4th statement. My interest has dropped from 34% to 30.40%.

I have one default that'll drop next year and one late payment from last year on my credit file. I have recently applied for Halifax one card 0% deal two months ago and was accepted and have now hit he red button again last week and have been accepted for another 0% deal form MBNA both with limits of around £4500

Have i begun to leave the subprime market? as i have not been rejected this year for credit?
and what should i do with my older cards

nzseries1

thatboydean wrote: »

Have i begun to leave the subprime market? as i have not been rejected this year for credit?
and what should i do with my older cards

Looks like you have left the sub-prime club! Yay for you! But... think about it, you wouldn't want to leave this lovely group of people, would you?

I would ring up and get your sub-prime cards cancelled. In my opinion you don't need them now that you have better cards with better interest rates.

I applied for a Halifax card in May and got accepted, and the first thing I did after I got the card was cancel my Barclaycard Initial @ 27.9%.

Richard20_2

4 months emmy05

thatboydean

My capitalone has the highest %rate but my student barclaycard is at 14.9% but only with a limit of £280 which was dropped from £600, this is the card i missed a payment on last year april would it still be wise to close this account?
As i missed a payment and the drop in limit.

louloupot

thatboydean wrote: »

Hi all

I applied for capitalone last year this time and was accepted. £200 limit increased to £500 on 4th statement. My interest has dropped from 34% to 30.40%.


hi i just wondered if you have only had one limit increase with cap 1 as i am waiting for my second increase but its taking ages

thanks

louloupot

Richard20 wrote: »

I got my increase on my capital one card yesterday

welldone:j