Sub Prime Credit Card Club

emmy05

good morning, im hoping for a better today then yesterday, bloooooming rain! im down in the south west where all the floods were so popular last yr, but luckily not close enough to get affected, and god knows how much its going to cost getting my handbrake done today, but the blokey said its not going to be more than £100.........
nice to see you proliant on the last page, you dont look even a tiny bit frazzled like i would have been from the long ride,
anyway ill leave you all to it for now x

skyrider007

!! * Bump * !!

carolan78

Well done Darcy I have been rooting for you long before I posted on this thread hope your turn comes very soon. Not sure a further appeal would help you in your quest though, it could look a little too desperate! Not sure what companies think though thats just my personal view x

Dannydebt

Hi Everyone,
Today (At long last) I received my Vanquis Card !, I phoned them and activated it and I asked how long the PIN would take, I was told it was printed on 9th July, then they tell me it will be 5 working days AFTER receiving the card ?, now if it was printed on Wednesday it should be here quite soon ?.

So how long did it take for everyone once they got their Card to get their PIN ?.

Also the Tesco pay-at-pump machines do not need a pin so am I safe using it there until I get my PIN ?.

Thanks

PROLIANT

Dannydebt wrote: »

Hi Everyone,
Today (At long last) I received my Vanquis Card !, I phoned them and activated it and I asked how long the PIN would take, I was told it was printed on 9th July, then they tell me it will be 5 working days AFTER receiving the card ?, now if it was printed on Wednesday it should be here quite soon ?.

So how long did it take for everyone once they got their Card to get their PIN ?.

Also the Tesco pay-at-pump machines do not need a pin so am I safe using it there until I get my PIN ?.

Thanks

Not sure mate, give a go, what is the worst that could happen?

skyrider007

PROLIANT wrote: »

=what is the worst that could happen?

Vanquis runs out of ink to supply their PIN mailers' printers?

londonuk2008

very quite here tonight.........
Well its three months nearly now since I last applied for anything
Paying my exsisting cards down so I can close and then apply for a mainstream card.

clio

Hey Soap Dodging Mackem
What cards you got now then matey? and what card would you like to get !!

PROLIANT

***bump***

londonuk2008

clio wrote: »

Hey Soap Dodging Mackem
What cards you got now then matey? and what card would you like to get !!

Well want to get rid of Barclaycard and Capital one , balances low and my Vanquis is nearly paid off .JJb card at zero balance. Then hopefully get a Natwest (newish bank account , salary goes in etc) or Virgin/Mbna .A card that gives me a decent limit and good apr.

I dont know when to apply - I have 23 searches on Experian , 6 this year and 2 in the last three months(April). No late payments or adverse info , but a low score on Experian - 402! They put this down to a high level of searches and - other available credit (using around 50% of available credit).

Next -£4k limit
Additions- £2k limit
Lx direct - £3.5k limit
Barclaycard - £1k limit
Capital one -£500 limit
Vanquis - £1k limit


Obviously I am not using all the above , but my family use some of it , but my accounts.

Rent privately and on the E/roll , Bt line etc. Same job for eight years.

any advice?