Sub Prime Credit Card Club

PAULUK08

My question again - Are Sygma/Creation Sub Prime Lenders?
Do they always give initially only £250 credit limit to new customers?
Why do you have to phone in and request an increase?

I have one of these cards - same limit of only £250. I don't think these are aimed at subprime . I have no negative data on my CRA file.

clio

MR P
Divva nah matey at the minute but xmas is still the only sure time i,ll get
up there.. My dad has give up his season ticket this year through ill health
so got no games i would come up for as i,d get in for nowt lol...

clio

Paul yes sygma are in the sub prime market, what apr are you on at minute. sorry cannot answer
anything else as i don't have their card. maybes MR P can help you out matey:)

PROLIANT

Well, had a phone call from the Halifax today and it was an underwriter, he says he will open a high interest current account for me with an overdraft once I have faxed over some bank statements etc, all the usual VISA debit etc, it will be good to have a bank account that is not just internet based and who's customer service is better than A&L :-(.

PROLIANT

clio wrote: »

Paul yes sygma are in the sub prime market, what apr are you on at minute. sorry cannot answer
anything else as i don't have their card. maybes MR P can help you out matey:)

Sygma Bank are a French bank that provide point of sale retail cards like JJB etc, they also take apps online, they use similar scoring criterion like GE money, I would not say that they are sub prime because they will decline you if you have adverse.

londonuk2008

I have a JJB card also 24% apr - useless £250 limit also. Thought I would get a better limit , had the card four months now. Can't be bothered to mess about with low limit (well this low) so may as well get rid..so Mr P , have A+L upset you?
I'm with them , just transfering everything over to Natwest...

londonuk2008

even though its a Mastercard , I thought I would use in JJB - but they have closed the branches in central London!!! Nearest is miles away!

PROLIANT

londonuk2008 wrote: »

I have a JJB card also 24% apr - useless £250 limit also. Thought I would get a better limit , had the card four months now. Can't be bothered to mess about with low limit (well this low) so may as well get rid..so Mr P , have A+L upset you?
I'm with them , just transfering everything over to Natwest...

Well sort of, the fact that the branch will not deal with me because I hold an internet based account is stupid and their attitude stinks so I am off else where.

PROLIANT

PROLIANT wrote: »

Well sort of, the fact that the branch will not deal with me because I hold an internet based account is stupid and their attitude stinks so I am off else where.

Addendum:
They are being taken over by Satander, another freekin foreign takeover, "long live the bank of scotland", I will eat my own !!!!!! before I will put my money with a foreign bank, talking to the scousers at the Bootle call centre isn't that bad, but this is a point of principle and I want any revenue that I make for the bank to be from the UK, not France, Spain or ching chang chong land or where ever, anyway had my rant and now I fell much better.

londonuk2008

Mind you I found speaking to there callcentres no problem - I went to speak in branch re a ISA , and found when I wanted info regarding my account they couldn't help! Told also to call the callcentre.
Also DO not like Abbey/Santander!!!!
Good with A+L though while it lasted..................