Sub Prime Credit Card Club

londonuk2008

Just to say - I got my JJB mastercard today . Naff limit £250! They never showed as checking my Equifax file - even though its clean! Maybe have too many 'little accounts'. What do I have to do to get a decent limit?

PROLIANT

londonuk2008 wrote: »

Just to say - I got my JJB mastercard today . Naff limit £250! They never showed as checking my Equifax file - even though its clean! Maybe have too many 'little accounts'. What do I have to do to get a decent limit?

Have you tried MBNA? They give a decent wedge normaly.

londonuk2008

reason I went for JJB was they supposed to check Equifax only (no excess searches) MBNA seach Experian where I have around 28 for the last ten months.
still time will tell - 12 months ago I had a terrible file with both!

PROLIANT

londonuk2008 wrote: »

reason I went for JJB was they supposed to check Equifax only (no excess searches) MBNA seach Experian where I have around 28 for the last ten months.
still time will tell - 12 months ago I had a terrible file with both!

HSBC only search Equifax for their CC, as do Barclaycard.

londonuk2008

Already have a Barclaycard and want to get rid of as my limit goes up and down along with the interest rate . They tell me its because of my Experian file - and the only issue there is the excess searches....
Think I will lay of applying till after the summer - and then try someone like MBNA as they seem more accomadating.
Decided also if Capital one don't increase beyond £500 by July I will close and then re-apply in October for the better card as I reckon on there classic you are stuck with them using the information when you originally applied.

Tori_Bellatrix

londonuk2008 wrote: »

reason I went for JJB was they supposed to check Equifax only (no excess searches) MBNA seach Experian where I have around 28 for the last ten months.
still time will tell - 12 months ago I had a terrible file with both!

Yeah, I applied for the JJB and the Donate as you spend Card (both by Sygma) and they only checked Equifax ... Coincedence about the search not showing, I have the same thing with a HSBC card I've been accepted for ..

PROLIANT

I found this article on APACS web site, may be of interest to some of you.

http://www.apacs.org.uk/payment_options/documents/PlasticCards_HistoryofPlasticCardsintheUKv1.pdf

londonuk2008

Interesting to see how things have changed and that we are more reliant on debit cards . I remeber in the late 80's with Abbey and getting a 'multi function' card - I thought it was cool , just out of school etc and my first Barclaycard in 1991 with a £200 limit. Also working in a shop with the old imprinter machines and having to phone for authorisation for sales over £25! God I sound old.................

random_fat_bird

Application for Vanquis card barfed halfway through so am not sure what's going on. Am going to leave it a few weeks and see what happens in the post area. I don't like being rung (have a minor phone phobia).

emmy05

when i applied for vanquis, i got £500 limit, 3rd time paying balance and its upped to £1000, Cap one gave me £200 limit and thats to be upped on the 4th statement