Sub Prime Credit Card Club

PROLIANT

Hey up, we got some competition! :eek: http://forums.moneysavingexpert.com/showthread.html?t=1007813

random_fat_bird

It's not competition, it's a potential new friend:) I've written a welcome note and pointed out our wee hidey hole:)

PROLIANT

Aye, I was only kidding, nice to see somebody taking the initiative though.

random_fat_bird

I'd thought as much:D


Bill came this morning. Am going to try to set up the online banking thinger so I can deal with it without having to resort to the telephone sytem. I hate telephones!

Toto

Afternoon everyone, I've been accepted for a bank of scotland classic card which is 27.9 apr. The credit agreement came this morning (didn't get an instant decision) and it was the same as the aqua one. So, I assume the credit scoring is the same as aquas seeing as it is the same company. So, it might be worth applying if you have an aqua card.

No sign of my aqua pin or card yet, it's been 2 weeks since I applied and still no word at all from vanquis.

I'm doing ok though, I applied for 4 cards, cap 1, aqua BOS and vanquis and to date have been accepted for 3 of them.

clio

Well done Toto on getting a new card...

RFB Cost of running a car is scary, and by xmas this year it,ll be even scarier
my advice is get a b/f to drive you around lol.. or buy a scoota they do 100 miles to the gallon
cost 20 odd quid to tax, insurance would be cheap as well, and they don't cost much to buy..

clio

here's a question that i think may be relivant. how may months / years of running credit accounts
with green zero.s and not 1 red mark, would be needed to jump from sub prime to mainstream.

would 6 months of GZ and 0 RM be good 000000
would 12 months of GZ and 0 RM be even better 000000000000
would 2 years of GZ and 0 RM be even better with bells on 000000000000000000000000
GZ = Green Zero's
RM = Default of some sort.

random_fat_bird

clio wrote: »

RFB Cost of running a car is scary, and by xmas this year it,ll be even scarier
my advice is get a b/f to drive you around lol..

Hmmm, that would involve trustng a man again. Not going to happen any time soon!

... or buy a scoota they do 100 miles to the gallon cost 20 odd quid to tax, insurance would be cheap as well, and they don't cost much to buy..

Where do you put the kids?;)

clio

get your mam/dad to take them everywhere for you, or get a sidecard fitted
and carry 1 in that and 1 on the back with you...

jayjayuk

Toto wrote: »

Afternoon everyone, I've been accepted for a bank of scotland classic card which is 27.9 apr. The credit agreement came this morning (didn't get an instant decision) and it was the same as the aqua one. So, I assume the credit scoring is the same as aquas seeing as it is the same company. quote]

i closed my aqua card as they didnt do online banking and got accepted for it after 3 days got the agrement....... been almost a week now since i sent it back 1st class, still no sign of the card

i noticed this card thou doesnt have a restricted maximum limit.... i also have a feeling if you manage it will youll get a better credit raiting

now i have cap one classic @ £200 0% till nov
nationwide £2600 only £400 used 17.9%
royal bank of scotland £???? 27.9%